| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVE. STE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $34K | $24K | $58K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 906 W 2ND AVE STE 400 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $41 | $11K | 5.48% |
| 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 | 1.15% |
| 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 | $0 | $32 | $32 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE E STE 1601 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $776 | — | $776 | 7.23% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 297 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $196K |
| Vision | VISION SERVICE PLAN | 131 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $196K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $196K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $196K |
| Prescription drug | MEDICAL MUTUAL | 297 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.