| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 5.24% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 4.35% |
| RONALD UNDERWOOD3 | 4950 PEBBLEHURST DRIVE STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 3.98% |
| MJ INSURANCE3 Filed as: HOWARD B. LABOW AND VARIOUS AGENTS | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET COLUMBUS, OH 43212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.29% |
| LANCE SHNIDER3 | 2500 CORPORATE EXCHANGE DRIVE SUITE 132 COLUMBUS, OH 43231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| ARMIN G LEONHARDT3 Filed as: ARMIN G. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $455 | — | $455 | 0.31% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD WESTLAKE, OH 44145 | VISION SERVICE PLAN | $3K | — | $3K | 2.55% |
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 | 1,316 | 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) | 1,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 2,143 | $525K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,316 | $106K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,316 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,316 | $0 |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,316 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,143 | — |
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."
No prospect flags tripped on this filing.