| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PL FL 14 ITASCA, IL 60143 | DELTA DENTAL OF OHIO | $24K | — | $24K | 3.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $4K | — | $4K | 0.53% |
| R. A. K. AGENCY INC3 Filed as: R.A.K. AGENCY | 31300 SOLON RD STE 8 SOLON, OH 441393570 | VISION SERVICE PLAN | $4K | $37K | $41K | 20.88% |
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 | 1,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 2,857 | $785K |
| Vision | VISION SERVICE PLAN | 1,006 | $195K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,615 | $521 |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,615 | $521 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,615 | $521 |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 2,401 | $1.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,615 | $521 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,857 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.