| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | MEDICAL MUTUAL | $27K | $4K | $31K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE EAST, SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $14K | $1K | $16K | 1.11% |
| REDTAIL LTD3 | 9999 BREWSTER LN STE 100 POWELL, OH 430657573 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $12K | 8.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $75 | $5K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $630 | $630 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD 4 RANDOR CORPORATE CTR STE 510 RANDOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 121 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $146K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $146K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $146K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $146K |
| Prescription drug | MEDICAL MUTUAL | 121 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.