| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | CATHERINE HUBBEN 330 W COLLEGE AVE STE 201 APPLETON, WI 54911 | DELTA DENTAL OF OHIO | $1K | $744 | $2K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93245 NE NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $630 | $630 | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93245 NE NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $728 | $728 | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93245 NE NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $418 | $418 | 0.60% |
| JOSHUA SMITH3 Filed as: JOSHUA M SMITH | 399 US HWY 224 SULLIVAN, OH 44880 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.45% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKESIDE AVENUE STE 16 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $727 | — | $727 | 1.69% |
| RICHARD YANKE3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $575 | — | $575 | 1.34% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $234 | — | $234 | 0.54% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $78 | $78 | 0.18% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 496 | $221K |
| Life insurance | STANDARD INSURANCE COMPANY | 0 | $110K |
| Short-term disability | STANDARD INSURANCE COMPANY | 0 | $98K |
| Long-term disability | STANDARD INSURANCE COMPANY | 0 | $70K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 75 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.