| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES INC. | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | — | $95K | $95K | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES INC. | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 15.26% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $39 | $2K | 4.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES INC. | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $781 | — | $781 | 1.92% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $16 | $403 | 0.99% |
| LANCE & CO INSURANCE AGENCY LLC3 | PO BOX 488 MEDINA, OH 44258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 0.88% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $5 | $257 | 0.63% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.29% |
| HELEN DIZ-HATTON3 Filed as: HELEN E. MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.16% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES INC. | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.11% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 256 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $87K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $100K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $128K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $87K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.