| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 441142522 | MEDICAL MUTUAL OF OHIO | $47K | $41K | $87K | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 441142522 | MEDMUTUAL LIFE INSURANCE COMPANY | $5K | $8K | $13K | 8.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 441142522 | DELTA DENTAL OF OHIO | $7K | — | $7K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 441142522 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $833 | $12K | 40.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 441142522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $504 | $67 | $571 | 11.05% |
| LUCE SMITH & SCOTT INC3 | 6860 W SNOWVILLE RD, SUITE 110 BRECKSVILLE, OH 44141 | HARTFORD LIFE AND ACCIDENT | $355 | — | $355 | 15.02% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 397 | $2.8M |
| Dental | DELTA DENTAL OF OHIO | 397 | $142K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 337 | $18K |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 265 | $156K |
| Short-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 265 | $156K |
| Long-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 265 | $156K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 397 | $2.7M |
| Other(4 contracts, 4 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 265 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.