| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $76K | $76K | 4.79% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.92% |
| ACRISURE LLC3 | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH ST CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 18.21% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $968 | $0 | $968 | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES INC | 1375 E 9TH STREET CLEVELAND, OH 44114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $0 | $369 | 1.25% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $0 | $208 | 0.71% |
| WICHERT INSURANCE SERVICES3 Filed as: WICHERT INSURANCE SERVICES INC | 5991 CHANDLER COURT WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 0.61% |
| LANCE & CO INS AGY LLC3 | 119 N COURT ST MEDINA, OH 44256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 0.48% |
| HELEN DIZ-HATTON3 Filed as: HELEN E. MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 0.43% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ACRISURE LLC DBA BRITTON-GALLAGHER | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.25% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.18% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.06% |
| DAVID L SMELCER3 Filed as: DAVID L. SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOC INC | ONE CLEVELAND CENTER 1375 EAST 9TH ST. 30TH FLOOR CLEVELAND, OH 44114 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 12.16% |
| ACRISURE LLC3 | 1375 EAST 9TH ST. 30TH FLOOR STE 3000 CLEVELAND, OH 44114 | SUNLIFE ASSURANCE COMPANY OF CANADA | $690 | $0 | $690 | 4.05% |
| 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 | $0 | $1K | 8.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ACRISURE DBA BRITTON-GALLAGHER & AS | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $98 | $0 | $98 | 0.75% |
| ACRISURE LLC3 | ONE CLEVELAND CENTER BLDG 1375 EAST 9TH ST 30TH FL, STE 3000 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $681 | — | $681 | 7.91% |
| ROBERT A. PREVITE3 Filed as: ROBERT A PREVITE | 8151 E INDIAN BEND, STE 105 A SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.52% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $79K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $92K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $109K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 47 | $17K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $79K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.