| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $100 | $17K | $17K | 1.00% |
| REDTAIL LTD3 Filed as: REDTAIL, LTD DBA | BENEFITS ADMINISTRATORS 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | HEALTHSPAN INTEGRATED CARE | $12K | — | $12K | 2.00% |
| REDTAIL LTD3 | 9999 BREWSTER LN STE 100 POWELL, OH 430657573 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 101 S MAIN STREET STE 200 DECATUR, IL 62523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $177 | $5K | 20.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 101 S MAIN STREET STE 200 DECATUR, IL 62523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $152 | $3K | 15.68% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $78 | $3K | 18.51% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 123 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $118K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $24K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 123 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.