| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATIES INC | 23825 COMMERCE PARK RD SUITE A BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $29K | — | $29K | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | GUARDIAN | $2K | $3K | $6K | 5.91% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | GUARDIAN | $4K | $987 | $5K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $4K | — | $4K | 3.90% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 23825 COMMERCE PARK ROAD SUITE A BEACHWOOD, OH 44122 | GUARDIAN | $961 | — | $961 | 0.97% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK RD SUITE A BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 8.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 106 | $764K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 109 | $116K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 109 | $862K |
| Life insurance | GUARDIAN | 109 | $99K |
| Long-term disability | GUARDIAN | 109 | $99K |
| Other | GUARDIAN | 109 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.