| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE #1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $33K | $22K | $54K | 3.92% |
| GIBSON MYERS & ASSOCIATES INC3 Filed as: GIBSON MYERS AND ASSOC INC | 2876 S ARLINGTON ROAD AKRON, OH 44312 | MEDICAL MUTUAL OF OHIO | $2 | — | $2 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 10.60% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.32% |
| ADRIENNE E VAUGHAN3 Filed as: ADRIENNE E VAUGHN | PO BOX 1607 STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $397 | — | $397 | 1.60% |
| TOM DENNISON AGENCY INC3 | 3034 CLIFFSIDE DR COPLEY, OH 44321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $329 | — | $329 | 1.33% |
| BAYSIDE BFT SOLUTIONS LLC3 | 309 FOREST BREEZE AVE BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.80% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | — | $150 | 0.60% |
| JAMALICA D. TAYLOR3 Filed as: JAMALICA D TAYLOR | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 0.60% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.48% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.26% |
| LYNN ANN SHEA3 | 34639 TR 373 WARSHAW, OH 43844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.17% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| JENNIFER M CAMPANA3 Filed as: JENNIFER CAMPANA | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 119 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $129K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $154K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $154K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $129K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 119 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.