| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 7.33% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.80% |
| MJ INSURANCE3 Filed as: LANCE SHNIDER AND VARIOUS AGENTS | 752 NORTH STATE STREET, SUITE 248 WESTERVILLE, OH 43082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.75% |
| RONALD UNDERWOOD3 | 4950 PEBBLEHURST DRIVE STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.18% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC. | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OH, INC. | 775 YARD STREET CLUMBUS, OH 43212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.03% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H1 NEWCASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.75% |
| DAVID CAMPANA INSURANCE LTD3 | 341 COOPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $912 | $0 | $912 | 0.61% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.79% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 10.04% |
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 | 1,336 | 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) | 1,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 769 | $162K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,336 | $430K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,336 | $430K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,336 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,336 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.