| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVENUE SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $69K | $8K | $77K | 30.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD. FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF OHIO | $4K | — | $4K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVENUE EAST STE 1601 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | $9K | — | $9K | 11.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 616731353 | LINCOLN NATIONAL LIFE INSURANCE CO. | $39K | — | $39K | 52.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES IN | 1111 SUPERIOR AVENUE #1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE CO. | $10K | — | $10K | 13.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COM | $14K | — | $14K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 616731353 | LINCOLN NATIONAL LIFE INSURANCE CO | $21K | — | $21K | 56.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 1111 SUPERIOR AVE #1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 14.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COM | $4K | — | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOXC 3009 ARLINGTON HTS, IL 600063009 | LINCOLN NATIONAL LIFE INSURANCE COM | — | $3K | $3K | 8.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COM | $2K | — | $2K | 10.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HTS, IL 600063009 | LINCOLN NATIONAL LIFE INSURANCE COM | — | $926 | $926 | 4.53% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE RD CLEVELAND, OH 44131 | UNION SECURITY INSURANCE COMPANY | $134 | — | $134 | 10.01% |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 719 | $255K |
| Dental | DELTA DENTAL PLAN OF OHIO | 1,116 | $201K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO EYEMED VISION CARE | 798 | $76K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COM | 904 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COM | 285 | $70K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 719 | $255K |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO. | 904 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,116 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.