| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $150K | $12K | $162K | 2.67% |
| REDTAIL LTD3 Filed as: REDTAIL, LTD | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | BLUECROSS BLUESHIELD OF FLORIDA | $33K | — | $33K | 2.40% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $65K | $18K | $83K | 9.11% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DRIVE DAVISON, MI 48423 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 4.71% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 480678067 | BLUE CARE NETWORK OF MICHIGAN | — | $952 | $952 | 0.18% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $18K | 7.79% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE BAY ST. LOUIS, MS 03952 | TRUSTMARK INSURANCE COMPANY | $121K | — | $121K | 69.98% |
| GERMAIN INSURANCE3 | 7250 SAWMILL ROAD COLUMBUS, OH 43235 | TRUSTMARK INSURANCE COMPANY | $52K | — | $52K | 29.99% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE BAY ST. LOUIS, MS 03952 | TRUSTMARK INSURANCE COMPANY | $48K | — | $48K | 45.49% |
| GERMAIN INSURANCE3 | 7250 SAWMILL ROAD COLUMBUS, OH 43235 | TRUSTMARK INSURANCE COMPANY | $20K | — | $20K | 19.51% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE BAY ST. LOUIS, MS 03952 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 38.49% |
| GERMAIN INSURANCE3 | 7250 SAWMILL ROAD COLUMBUS, OH 43235 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 16.50% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 480672531 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 120 CAPITAL OF TX HIGHWAY S BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $43 | $43 | 0.23% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $2K | — | $2K | 25.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HIGHWAY S BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $37 | $37 | 0.52% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | NGL | $506 | — | $506 | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $97 | — | $97 | 20.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HIGHWAY S BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $2 | $2 | 0.41% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH, SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $38 | — | $38 | 10.92% |
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 | 1,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 533 | $8.0M |
| Dental(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $1.2M |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $240K |
| Life insurance(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $1.3M |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $1.2M |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $1.2M |
| Prescription drug(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 533 | $8.0M |
| Other(7 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.