| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $11K | $32K | 11.44% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODBRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $925 | — | $925 | 2.88% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON III | 6001 COCHRAN ROAD SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $845 | — | $845 | 2.63% |
| ELIZABETH J. TEPPER3 Filed as: ELIZABETH J TEPPER | 2223 N JEFFERSON BLVD LORAIN, OH 44052 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $474 | — | $474 | 1.48% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 1.00% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.41% |
| THOMAS W BOSTON3 | 13661 MARKET AVENUE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.15% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $278K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $278K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $278K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $278K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $278K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.