| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $58K | $48 | $58K | 4.98% |
| CINCINNATI BENEFIT SOLUTIONS3 Filed as: CINCINNATI BENEFIT SOLUTIONS, LLC | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | MEDICAL MUTUAL | $12K | — | $12K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | $7K | $66K | 11.24% |
| CBISA REACQUISITION CORP3 Filed as: CBISA REACQUISITION CORPORATION | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.02% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE AGENCY | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.86% |
| CINCINNATI BENEFIT SOLUTIONS3 Filed as: CINCINNATI BENEFIT SOLUTIONS, LLC | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | THE DENTAL CARE PLUS GROUP | $10K | — | $10K | 4.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | THE DENTAL CARE PLUS GROUP | $3K | — | $3K | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 ADMIN FEES | Other services; Claims processing Service code 12 | — | $272K |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CARE PLUS GROUP | 733 | $224K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $589K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $589K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $589K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $589K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 417 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.