| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PARK CENTRAL 7 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 11.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED HEALTHCARE INSURANCE COMPANY | $619 | $0 | $619 | 10.00% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 445 HUTCHINSON AVENUE, SUITE 820 COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 2.87% |
| PAULA GAIL NEAL3 Filed as: PAULA C. CUTTER | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.27% |
| JACKSON INSURANCE BROKERAGE, LLC3 | 531 EAST BROADWAY STREET JACKSON, OH 45640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.27% |
| JOHN D SUSIE3 Filed as: JOHN D. SUSIE | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.74% |
| JARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON NORTH ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.74% |
| KIMBERLY NIETO3 Filed as: KIMBERLY K. NIETO | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.53% |
| MJ INSURANCE3 Filed as: MARKUS MUELLER AND VARIOUS AGENTS | 633 NE MUSKRAT RUN PORT SAINT LUCIE, FL 34983 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.42% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 107 | $6K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $69K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $69K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.