| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $86K | $31K | $117K | 5.55% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | -$10 | -$3 | -$13 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL LIFE | $8K | $3K | $10K | 19.68% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL LIFE | $5 | $2 | $7 | 0.01% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 156 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $160K |
| Vision | MEDICAL MUTUAL | 156 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $160K |
| Short-term disability | MEDICAL MUTUAL LIFE | 163 | $52K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $160K |
| Prescription drug | MEDICAL MUTUAL | 156 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.