| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 1375 E 9TH ST. 30TH FLOOR CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11K | $97K | $86K | 6.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER & ASSOCIATES INC. | 1375 EAST NINTH ST. 30TH FLOOR CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$99 | -$99 | -0.01% |
| ACRISURE LLC3 | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH ST CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 23.51% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $0 | $764 | 2.94% |
| 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 | $289 | $0 | $289 | 1.11% |
| WICHERT INSURANCE SERVICES3 Filed as: WICHERT INSURANCE SERVICES INC | 5991 CHANDLER COURT WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 0.75% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.68% |
| HELEN DIZ-HATTON3 Filed as: HELEN E. MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $0 | $105 | 0.40% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.29% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.15% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| DAVID L SMELCER3 Filed as: DAVID L. SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| ACRISURE LLC3 | 1375 EAST 9TH ST. 30TH FLOOR, STE 3000 CLEVELAND, OH 44114 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 14.04% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, WI 49501 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $512 | $512 | 2.39% |
| ACRISURE LLC3 | 1375 EAST 9TH STREET 30TH FL CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.18% |
| ROBERT A. PREVITE3 Filed as: ROBERT A PREVITE | 8151 E INDIAN BEND, STE 105 A SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.16% |
| 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 | $1K | $0 | $1K | 10.20% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $28K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $39K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $72K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 54 | $21K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $28K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.