| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ACRISURE LLC DBA BRITTON-GALLAGHER | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | AETNA HEALTH, INC. | $19K | — | $19K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ACRISURE LLC DBA BRITTON-GALLAGHER | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 4.59% |
| ACRISURE LLC3 | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH ST CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 23.58% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | $0 | $758 | 3.66% |
| 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 | $279 | $0 | $279 | 1.35% |
| WICHERT INSURANCE SERVICES3 Filed as: WICHERT INSURANCE SERVICES INC | 5991 CHANDLER COURT WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $0 | $199 | 0.96% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 0.83% |
| HELEN DIZ-HATTON3 Filed as: HELEN E. MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $0 | $99 | 0.48% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.38% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.14% |
| DAVID L SMELCER3 Filed as: DAVID LEE SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| ACRISURE LLC3 | 1375 EAST 9TH STREET 30TH FL CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.77% |
| ACRISURE LLC3 | 1375 EAST 9TH ST. 30TH FLOOR, STE 3000 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $237 | $2K | 16.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE LLC DBA BRITTON-GALLAGHER BROKER | Insurance agents and brokers Service code 22 | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | $66K |
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 | 235 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 213 | $219K |
| Dental | AETNA LIFE INSURANCE CO. | 213 | $219K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 236 | $249K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $66K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $36K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $30K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.