| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIKA M PERRIN3 Filed as: ERIKA M. PERRIN | 11565 GRENADA CIR. NE HARTVILLE, OH 44632 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 13.44% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 341 COPPER CREEK AMHERST, OH 44001 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 6.72% |
| ERIKA M PERRIN3 Filed as: ERIKA PERRIN | 11565 GRENADA CIRCLE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 36.49% |
| ANTHONY LALLI3 | 191 GREAT OAKS TRAIL WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.81% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE ST. HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $481 | — | $481 | 2.44% |
| CARLO DURAN3 | 921 EUCLID AVENUE LORAIN, OH 44052 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | — | $307 | 1.56% |
| ERIKA M PERRIN3 Filed as: ERIKA PERRIN | 11565 GRENADA NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $401 | — | $401 | 9.54% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 2.05% |
| CARLO DURAN3 | 921 EUCLID AVENUE LORAIN, OH 44052 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.69% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $4K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 259 | $40K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $4K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 259 | $40K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 259 | $40K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 259 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.