| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | BLUE CROSS OF CALIFORNIA | $50K | — | $50K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1100 SUPERIOR AVE E STE 1700 CLEVELAND, OH 44114 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 1.63% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC. | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 441227317 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 5.47% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.02% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC. | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 441227317 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 3.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CORP | 1111 SUPERIOR AVE E, STE 1601 CLEVELAND, OH 441142522 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.80% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.99% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | — | $40K | 8.45% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC. | 1100 SUPERIOR AVE E STE 1700 CLEVELAND, OH 441142521 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 2.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 181 WELLS AVENUE NEWTON CENTER, MA 024593344 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | $3K | $9K | 2.07% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC. | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 7.46% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 7.79% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES CORP | 1100 SUPERIOR AVE E STE 1700 CLEVELAND, OH 441142521 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 2.06% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC. | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 441227317 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.69% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $858 | — | $858 | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CORP | 1111 SUPERIOR AVE E, STE 1601 CLEVELAND, OH 441142522 | UNITEDHEALTHCARE INSURANCE COMPANY | $308 | — | $308 | 0.38% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 5910 HARPER ROAD SOLON, OH 441391885 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1100 SUPERIOR AVE E STE 1700 CLEVELAND, OH 441142521 | METROPOLITAN LIFE INSURANCE COMPANY | $445 | — | $445 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 101 LARKSPUR LANDING CIR STE 120 LARKSPUR, CA 949391749 | METROPOLITAN LIFE INSURANCE COMPANY | — | $322 | $322 | 0.81% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $2.2M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 133 | $180K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 133 | $140K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $269K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $269K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $269K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.