| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | MEDICAL MUTUAL | $52K | $2K | $53K | 3.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $17K | — | $17K | 1.00% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SVCS | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 21.48% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $351 | — | $351 | 0.82% |
| ACRISURE LLC3 | 1375 EAST 9TH STREET 30TH FL CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.25% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.16% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH ST CLEVELAND, OH 44114 | GUARDIAN | $6K | — | $6K | 14.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN | $2K | — | $2K | 4.56% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | — | GUARDIAN | — | $2K | $2K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 323 WEST LAKESIDE AVE, SUITE 410 CLEVELAND, OH 45113 | SUPERIOR DENTAL CARE, A MEDICAL MUTUAL COMPANY | $3K | $402 | $4K | 8.97% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS | INSURANCE SERVICES, LLC 223 W GRAND RIVER AVE #1 HOWELL, MI 48843 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.16% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | SUN LIFE ASSURANCE COMPANY OF CANADA | $839 | — | $839 | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $511 | — | $511 | 2.06% |
| ACRISURE LLC3 | 1460 US HIGHWAY 9 N SUITE 307 WOODBRIDGE, NJ 07095 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $240 | $240 | 0.97% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE RD STE 6 NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 2.63% |
| ACRISURE LLC3 | DBA BRITTON-GALLAGHER AND ASSOC CLEVELAND, OH 44114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.98% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.61% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH ST CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.54% |
| DAVID L SMELCER3 | 3137 TOWNSHIP RD 97 MCCOMB, OH 45858 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 111 | $1.7M |
| Dental | SUPERIOR DENTAL CARE, A MEDICAL MUTUAL COMPANY | 96 | $41K |
| Vision | MEDICAL MUTUAL | 111 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 341 | $94K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 56 | $76K |
| Long-term disability | GUARDIAN | 341 | $42K |
| Prescription drug | MEDICAL MUTUAL | 111 | $1.7M |
| Other | GUARDIAN | 341 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.