| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MEDICAL MUTUAL OF OHIO | $19K | $379 | $19K | 2.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.79% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $628 | $0 | $628 | 3.11% |
| TOM DENNISON AGENCY INC3 Filed as: TOM DENNISON AGENCY INC. | 3034 CLIFFSIDE DR. COPLEY, OH 44321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | $0 | $238 | 1.18% |
| ADRIENNE E VAUGHAN3 Filed as: ADRIENNE E. VAUGHAN | PO BOX 1607 STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | $0 | $211 | 1.05% |
| BAYSIDE BFT SOLUTIONS LLC3 | 309 FOREST BREEZE AVE BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.69% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 W. MAPLE ST. HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.42% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.20% |
| LYNN ANN SHEA3 | 34639 TR 373 WARSAW, OH 43844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.13% |
| JAMALICA D. TAYLOR3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.09% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 925 S. MAIN ST. NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.09% |
| ELIZABETH J. TEPPER3 | 2223 N. JEFFERSON BLVD. LORAIN, OH 44052 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.08% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC. | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.07% |
| JENNIFER M CAMPANA3 Filed as: JENNIFER M. CAMPANA | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| MICHAEL W BERUBE3 Filed as: MICHAEL W. BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | 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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 111 | $797K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $82K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $102K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $102K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $82K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 111 | $797K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.