| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD. FL 4 ROLLOWING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF OHIO | $6K | — | $6K | 2.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 545 METRO PLACE SOUTH SUITE 150 DUBLIN, OH 43017 | HEALTHSPAN INTEGRATED CARE | $3K | — | $3K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COM | $4K | — | $4K | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, IL 60143 | LINCOLN NATIONAL LIFE INSURANCE COM | — | $2K | $2K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COM | $8K | — | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | TWO PIERCE PLACE ITASCA, IL 60143 | LINCOLN NATIONAL LIFE INSURANCE COM | — | $913 | $913 | 1.69% |
| MARK A. PETRO3 Filed as: MARK PETRO AND ASSOCIATES INC | 10333 BARTHOLOMEW CHAGRIN FALLS, OH 44023 | AMERICAN HERITAGE LIFE INSURANCE CO | $5K | — | $5K | 20.56% |
| ANDREW LEVITT3 | 2415 BRICE RD AKRON, OH 44313 | AMERICAN HERITAGE LIFE INSURANCE CO | $5K | — | $5K | 20.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COM | $2K | — | $2K | 9.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | LINCOLN NATIONAL LIFE INSURANCE COM | — | $335 | $335 | 1.72% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE CO | $391 | — | $391 | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE CO | $262 | — | $262 | 3.64% |
| RANDI CIMORELL-VOELKEL3 | 3601 GREEN ROAD SUITE 201 BEACHWOOD, OH 44122 | AMERICAN HERITAGE LIFE INSURANCE CO | $2 | — | $2 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVLAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | $293 | — | $293 | 4.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVENUE EAST STE 1601 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | $208 | — | $208 | 3.02% |
| STRUCTURED BENEFITS3 Filed as: STRUCTURED BENEFITS, LLC | 5217 MONROE STREET STE B2-2 TOLEDO, OH 43623 | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | $163 | — | $163 | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | $70 | — | $70 | 1.02% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE CO | $342 | — | $342 | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE CO | $253 | — | $253 | 4.01% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE CO | $139 | — | $139 | 5.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE CO | $104 | — | $104 | 4.02% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $79 | — | $79 | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES IN | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $59 | — | $59 | 3.75% |
| MARY BETH RESSLER3 Filed as: MARY BETH A BLOMMEL | PO BOX 340352 BEAVERCREEK, OH 45434 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $50 | — | $50 | 3.18% |
| LAYNE FINANCIAL INC3 | 315 GREEEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $5 | — | $5 | 0.32% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $5 | — | $5 | 0.32% |
| KATIE MIRACLE AGENCY3 | 112 RICH ROAD LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $5 | — | $5 | 0.32% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $79 | — | $79 | 5.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE CO ALLSTATE | $60 | — | $60 | 4.01% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE RD CLEVELAND, OH 44131 | UNION SECURITY INSURANCE COMPANY | $133 | — | $133 | 9.98% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE CO | $45 | — | $45 | 8.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE CO | $10 | — | $10 | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVENUE SUITE 1700 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $65K | $7K | $72K | — |
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 | 1,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE CO | 677 | $46K |
| Dental | DELTA DENTAL PLAN OF OHIO | 1,062 | $201K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | 54 | $7K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE CO | 617 | $47K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 677 | $0 |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COM | 713 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.