| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1301 EAST 9TH STREET, SUITE 3800 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.24% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $4K | $22K | 11.73% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE LIMITED | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.76% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.32% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $674 | $0 | $674 | 1.83% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | $0 | $168 | 0.46% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 0.39% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 NORTH MAIN STREET, SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | $0 | $123 | 0.33% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.24% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE LIMITED | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.30% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.67% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $599 | $0 | $599 | 2.23% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 NORTH MAIN STREET, SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.43% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 0.38% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.29% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC AND OTHER AGENTS | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.07% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE LIMITED | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.16% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.78% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | $0 | $494 | 1.90% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | $0 | $151 | 0.58% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 NORTH MAIN STREET, SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.38% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.37% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC & AGENTS | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.21% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE LIMITED | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.35% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $516 | $0 | $516 | 2.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $396 | $0 | $396 | 1.77% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | $0 | $148 | 0.66% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 NORTH MAIN STREET, SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.17% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.13% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC & AGENTS | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.11% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 320 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $188K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $188K |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $300K |
| Short-term disability(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 26 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $188K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 320 | $2.0M |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.