| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $44K | $30K | $74K | 2.57% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY SUITE F AVON, OH 44011 | MEDICAL MUTUAL OF OHIO | $19K | $4 | $19K | 0.67% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY SUITE F AVON, OH 44011 | MEDMUTUAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 12.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER | 1111 SUPERIOR AVENUE CLEVELAND, OH 44114 | EYEMED VISION BENEFITS | $2K | — | $2K | 8.20% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 244 | $2.9M |
| Dental | MEDICAL MUTUAL OF OHIO | 244 | $2.9M |
| Vision | EYEMED VISION BENEFITS | 287 | $20K |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 206 | $98K |
| Long-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 206 | $98K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 244 | $2.9M |
| Other | MEDMUTUAL LIFE INSURANCE COMPANY | 206 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.