| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVE. STE 1100 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $18K | $12K | $30K | 3.58% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | OSWALD CENTRE 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL | $8 | $5 | $13 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVENUE E STE 1500 C/O OSWALD CENTRE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $953 | $8K | 4.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 906 W 2ND AVE STE 400 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE E STE 1601 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $588 | — | $588 | 8.71% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 316 | $837K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $201K |
| Vision | VISION SERVICE PLAN | 56 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $201K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $201K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $201K |
| Prescription drug | MEDICAL MUTUAL | 316 | $837K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.