| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $55K | $9K | $63K | 19.84% |
| 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 | $285 | $4K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $4K | $6K | $10K | 6.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | EYE MED | $10K | — | $10K | 14.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 24.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 93245 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $525 | $241 | $766 | 2.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $859 | $3K | 12.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 93245 NETWORK PLACE CHICAGO, IL 616731353 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $751 | $132 | $883 | 5.55% |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 565 | $318K |
| Dental | DELTA DENTAL PLAN OF OHIO | 898 | $179K |
| Vision | EYE MED | 667 | $71K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 949 | $25K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $44K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 565 | $318K |
| Other(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE | 949 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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.