| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | $55K | $22K | $77K | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | COMMUNITY INSURANCE COMPANY | $10K | $928 | $11K | 6.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $12K | $2K | $13K | 11.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.36% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD | 6145 PARK SQUARE DRIVE, SUITE 5 MB 6 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.85% |
| ERIKA M PERRIN3 Filed as: ERIKA M. PERRIN AND OTHER AGENTS | 11565 GRENADA CIRCLE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $660 | $0 | $660 | 3.88% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | $0 | $161 | 0.95% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | $0 | $126 | 0.74% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 139 MARKET AVENUE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.55% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.15% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 NORTH MAIN STREET, SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.05% |
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 | 494 | 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) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 307 | $1.8M |
| Dental | COMMUNITY INSURANCE COMPANY | 544 | $185K |
| Vision | COMMUNITY INSURANCE COMPANY | 544 | $185K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 494 | $174K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 494 | $174K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 494 | $157K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 307 | $1.8M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 494 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.