| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $56K | $9K | $65K | 22.27% |
| 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 | $388 | $4K | 2.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE STE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | $2K | $6K | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE CLEVELAND, OH 44114 | EYE MED | $10K | — | $10K | 13.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $753 | $10K | 16.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $773 | $12K | 21.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 1111 SUPERIOR AVENUE #1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $124 | $1K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 1111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $229 | $3K | 9.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 616731353 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 1111 SUPERIOR AVE #1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $738 | $59 | $797 | 4.21% |
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 | 808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 583 | $291K |
| Dental | DELTA DENTAL PLAN OF OHIO | 900 | $178K |
| Vision | EYE MED | 733 | $75K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,082 | $26K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $57K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 583 | $291K |
| Other(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 1,082 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.