| 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 | $26K | — | $26K | 10.00% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP, LLC | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | GUARDIAN | $11K | — | $11K | 5.86% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | GUARDIAN | $9K | — | $9K | 4.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | GUARDIAN | $575 | $433 | $1K | 0.52% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $3 | $3K | 2.65% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DR PERRYSBURGH, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE | $550 | — | $550 | 0.57% |
| THAD ANDERSON3 | 7220 TALLGRASS PARKWAY LINCOLN, NE 68521 | COLONIAL LIFE & ACCIDENT INSURANCE | $32 | — | $32 | 0.03% |
| SOUTHPAW INC3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE | $15 | — | $15 | 0.02% |
| DAVID H OSBORN3 | 3040 GRAND BAY BLVD LONGBOAT KEY, FL 34228 | COLONIAL LIFE & ACCIDENT INSURANCE | $6 | — | $6 | 0.01% |
| DAN YAARY3 | 13303 CREEKVIEW RD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | — | $4 | 0.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | — | $2 | 0.00% |
| NORTHWEST ENROLLX LLC3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | — | $2 | 0.00% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $613 | — | $613 | 4.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 1.57% |
| PAUL AMOS & ASSOCIATES LLC3 | 5311 MEADOW LN CT STE 4 SHEFFIELD VILLAGE, OH 44035 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 1.34% |
| LINDA JEAN FOX3 | 37366 WEXFORD DR CLEVELAND, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.16% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 26.62% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 22.53% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUNS INS LLC | 341 COPPER CREEK OHIO AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 1.02% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $308 | — | $308 | 7.54% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $308 | — | $308 | 7.54% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $443 | — | $443 | 12.11% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $114 | — | $114 | 5.29% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 473 | $196K |
| Vision | GUARDIAN | 473 | $196K |
| Life insurance(4 contracts, 4 carriers) | GUARDIAN | 473 | $316K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE | 101 | $108K |
| Long-term disability | GUARDIAN | 473 | $196K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 459 | $265K |
| Other(5 contracts, 4 carriers) | GUARDIAN | 473 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
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.