| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.17% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $8K | $11K | 30.86% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.74% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 0.37% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 6155 PARK SQUARE DRIVE DRIVE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $973 | — | $973 | 10.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $353 | — | $353 | 4.73% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $313 | — | $313 | 4.19% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 4.88% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 9.60% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 3.60% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $47K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $61K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $50K |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 171 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.