| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFITS AGCY INC | 31300 SOLON ROAD SUITE #8 SOLON, OH 44139 | MEDICAL MUTUAL INSURANCE COMPANY | $8K | $11K | $19K | 2.36% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL INSURANCE COMPANY | $333 | — | $333 | 0.04% |
| G. NEWMAN3 | 2501 CHAGRIN BLVD SUITE 100 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $137 | — | $137 | 1.00% |
| DONALD F. BERCU3 | 3129 BREMERTON ROAD CLEVELAND, OH 44124 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 0.50% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCIAL GROWTH OF N. OH | 24500 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVENUE STE 1601 CLEVELAND, OH 44114 | CONSUMERS LIFE INSURANCE COMPANY | $128 | $106 | $234 | 3.09% |
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFITS AGCY INC | 31300 SOLON ROAD SUITE #8 SOLON, OH 44139 | CONSUMERS LIFE INSURANCE COMPANY | $128 | — | $128 | 1.69% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHY CONNECTICUT | 410 | $3.2M |
| Dental(2 contracts, 2 carriers) | MEDICAL MUTUAL INSURANCE COMPANY | 119 | $799K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 11 | $29K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $14K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 11 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.