| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $66K | $70K | 5.63% |
| ACRISURE LLC3 | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH ST CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $569 | $9K | 23.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ACRISURE LLC DBA BRITTON-GALLAGHER | 1375 EAST 9TH STREET 30TH FL CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 20.98% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $371 | — | $371 | 1.17% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $350 | — | $350 | 1.10% |
| ACRISURE LLC3 | 1375 EAST 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $308 | — | $308 | 0.97% |
| ACRISURE LLC3 | 1375 EAST 9TH ST 30TH FL STE 3000 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE RD STE 6 NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 2.70% |
| 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 | $91 | — | $91 | 0.92% |
| WICHERT INSURANCE SERVICES3 Filed as: WICHERT INSURANCE SERVICES INC | 5991 CHANDLER COURT WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.77% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.54% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.51% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.15% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.14% |
| DAVID L SMELCER3 | PO BOX 356 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $81K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 44 | $65K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $39K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.