| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 S. RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $10K | $32K | 11.09% |
| ENROLLLEASE INC3 Filed as: ENROLLLEASE | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.28% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 13.86% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON III | 6325COCHRAN RD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.75% |
| DAVID CAMPANA INSURANCE LTD3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $520 | — | $520 | 0.86% |
| ELIZABETH J. TEPPER3 | 2223 N. JEFFERSON BLVD. LORAIN, OH 44052 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | — | $263 | 0.43% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD., SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.15% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 W. MAPLE ST. HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 N. MAIN STREET, SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| BD CAPITAL PARTNERS LLC3 Filed as: BD CAPITAL PARTNERS, LLC | 6450 ROCKSIDE WOODS BLVD S. SUITE 2 INDEPENDENCE, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| M H ADVISORS INC3 Filed as: M H ADVISORS, INC. | 36 SHANNON DRIVE APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 6155 PARK SQUARE DR., SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $289K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $289K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $289K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $289K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $289K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 156 | $513K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 156 | $513K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.