| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CORP. | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 441131054 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | COMMUNITY INSURANCE COMPANY | $11K | — | $11K | 3.47% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $3K | $3K | 1.09% |
| ERC SERVICES INC3 | 3333 RICHMOND RD, STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.37% |
| DEAN E. AUSTIN3 Filed as: DEAN AUSTIN | 40950 WOODWARD AVE SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 12750 MERIT DR SUITE 100 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $6K | $2K | $8K | 15.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $832 | — | $832 | 6.69% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $604K |
| Dental(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 154 | $230K |
| Vision | VISION SERVICE PLAN | 56 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 154 | $51K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 154 | $51K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 26 | $179K |
| Other | THE GUARDIAN LIFE INSURANCE OF AMERICA | 154 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.