| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $16K | 10.82% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 17.28% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.69% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $659 | $0 | $659 | 1.60% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | $0 | $297 | 0.72% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.61% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.20% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 18.96% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.29% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | $0 | $477 | 1.63% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | $0 | $225 | 0.77% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.23% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.09% |
| MJ INSURANCE3 Filed as: MARK L. HUFHAND AND VARIOUS AGENTS | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 17.69% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.03% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | $0 | $439 | 1.63% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $372 | $0 | $372 | 1.38% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | $0 | $187 | 0.69% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.42% |
| MJ INSURANCE3 Filed as: MARK L. HUFHAND AND VARIOUS AGENTS | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.10% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.98% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.49% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $431 | $0 | $431 | 1.81% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.20% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.16% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.13% |
| MJ INSURANCE3 Filed as: MARK L. HUFHAND AND VARIOUS AGENTS | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $150K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $150K |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $271K |
| Short-term disability(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 44 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $150K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $2.0M |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.