| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $81K | $64K | $145K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | LINCOLN NATIONAL INSURANCE COMPANY | $2K | $2K | $5K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | CONSUMER LIFE INSURANCE COMPANY | $7K | $5K | $12K | 11.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL INSURANCE COMPANY | $13K | $3K | $16K | 18.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL INSURANCE COMPANY | $5K | $2K | $7K | 9.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $893 | $889 | $2K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL INSURANCE COMPANY | $5K | $1K | $6K | 18.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 55.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $343 | $343 | 1.28% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 0.63% |
| EISEL SOLUTIONS LLC3 Filed as: EISEL MICHAEL T | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| LABOW MAIA3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 25.25% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $437 | — | $437 | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $263 | $263 | 1.13% |
| EISEL SOLUTIONS LLC3 Filed as: EISEL MICHAEL T | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| LABOW MAIA3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 287 | $4.3M |
| Dental | LINCOLN NATIONAL INSURANCE COMPANY | 254 | $128K |
| Vision | VISION SERVICE PLAN | 255 | $46K |
| Life insurance(2 contracts, 2 carriers) | CONSUMER LIFE INSURANCE COMPANY | 374 | $137K |
| Short-term disability | LINCOLN NATIONAL INSURANCE COMPANY | 181 | $86K |
| Long-term disability | LINCOLN NATIONAL INSURANCE COMPANY | 365 | $80K |
| Prescription drug | MEDICAL MUTUAL | 287 | $4.3M |
| Other(5 contracts, 4 carriers) | MEDICAL MUTUAL | 374 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.