| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MGMT. | 30506 LAKE ROAD BAY VILLAGE, OH 44140 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 6.59% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MGMT. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.38% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MGMT. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 17.77% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS. LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.91% |
| COVEY RUN INSURANCE LLC3 | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.32% |
| MJ INSURANCE3 Filed as: MARK L. HUFHAND AND VARIOUS AGENTS | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | $0 | $266 | 0.30% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC. | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.28% |
| ARMIN G LEONHARDT3 Filed as: ARMIN G. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | $0 | $85 | 0.09% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.09% |
| CENTER FOR BENEFITS MANAGEMENT, INC Filed as: CENTER FOR BENEFITS MANAGEMENT | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.61% |
| RONALD UNDERWOOD3 | 4950 PEBBLEHURST DRIVE STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $936 | $0 | $936 | 2.11% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC. | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $880 | $0 | $880 | 1.98% |
| MJ INSURANCE3 Filed as: KEN GESSNER AND VARIOUS AGENTS | 327 BANBURY ROAD DAYTON, OH 45459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $408 | $0 | $408 | 0.92% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS. LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | $0 | $202 | 0.45% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | $0 | $183 | 0.41% |
| ARMIN G LEONHARDT3 Filed as: ARMIN G. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | $0 | $119 | 0.27% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MGMT. | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 10.58% |
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 | 1,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTEGRA INSURANCE COMPANY | 203 | $39K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 761 | $149K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,644 | $336K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,644 | $336K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,644 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,644 | — |
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.