| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL | $16K | $11K | $27K | 3.00% |
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS AGENCY, INC. | 31300 SOLON ROAD SUITE 8 SOLON, OH 44139 | MEDICAL MUTUAL | $16K | $6K | $22K | 2.47% |
| REDTAIL LTD3 Filed as: REDTAIL LIMITED | 9999 BREWSTER PLACE #100 POWELL, OH 43065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 7.27% |
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFITS AGCY INC | 31300 SOLON ROAD SUITE 8 SOLON, OH 44139 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.35% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN D AYCOCK | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.92% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 119 | $901K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $90K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $90K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $90K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $90K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $90K |
| Prescription drug | MEDICAL MUTUAL | 119 | $901K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.