| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | COMMUNITY INSURANCE COMPANY | $20K | — | $20K | 2.66% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $9K | $9K | 1.15% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 0.60% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS, LLC | 1301 EAST 9TH STREET SUITE 3737 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.81% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.52% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 184 | $741K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $132K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $132K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $132K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $132K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $132K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.