| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER& ASSOCIATES | 1375 E. 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER & ASSOCIATES | 1375 E. 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 8.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JP FARLEY CORP EIN 34-1363719 CLAIMS PROCESSING | Claims processing Service code 12 | 29055 CLEMENS RD WESTLAKE, OH 44145 | $372K |
| CIGNA CORPORATION EIN 06-0303370 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 645014 CINCINNATI, OH 45264 | $138K |
| MULTIPLAN EIN 13-3068979 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $19K |
| BRITTON GALLAGHER & ASSOCIATES EIN 34-1342464 CONSULTING | Consulting fees Service code 70 | 1375 E. 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | $13K |
| MEDWATCH EIN 16-1662117 CLAIMS PROCESSING | Claims processing Service code 12 | 120 INTERNATIONAL PARKWAY #220 LAKE MARY, FL 32746 | $10K |
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 | 1,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,265 | $412K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,265 | $412K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 475 | $115K |
| Stop-loss / reinsurancereinsurance | EXCESS RE | 1,448 | $457K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,265 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,265 | — |
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.