| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERPRISE GROUP PLANNING, INC.3 | 5910 HARPER ROAD SOLON, OH 44139 | PAN AMERICAN LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | GUARDIAN | $12K | — | $12K | 6.29% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | GUARDIAN | $9K | — | $9K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 1349 W. LANE AVENUE COLUMBUS, OH 43221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58K | $5K | $63K | 68.77% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | — | $22K | 24.28% |
| THAD ANDERSON3 | 7220 TALLGRASS PKWY LINCOLN, NE 68521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.21% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 2.66% |
| SOUTHPAW INC3 | 3040 GRAND BAY BLVD LONGBOAT KEY, FL 34228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| DAVID H OSBORN3 | 3040 GRAND BAY BLVD UNIT 213 LONGBOAT KEY, FL 34228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| DAN YAARY3 | 13303 CREEKVIEW RD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NORTHWEST ENROLLX LLC3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 23.63% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 21.28% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $790 | — | $790 | 1.07% |
| PAUL AMOS & ASSOCIATES LLC3 | 5311 MEADOW LN CT STE 4 SHEFFIELD VILLAGE, OH 44035 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 1.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 1.10% |
| FOX, LINDA JEAN3 | 37366 WEXFORD DR CLEVELAND, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.14% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $553 | — | $553 | 4.09% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $467 | — | $467 | 7.42% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $467 | — | $467 | 7.42% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $446 | — | $446 | 10.99% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $109 | — | $109 | 4.86% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $21 | — | $21 | 5.98% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 466 | $285K |
| Dental | GUARDIAN | 519 | $185K |
| Vision | GUARDIAN | 519 | $185K |
| Life insurance(5 contracts, 5 carriers) | GUARDIAN | 519 | $378K |
| Short-term disability(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 85 | $179K |
| Long-term disability | GUARDIAN | 519 | $185K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 466 | $285K |
| Other(5 contracts, 4 carriers) | GUARDIAN | 519 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.