| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $18K | $53K | 14.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $49K | $8K | $57K | 17.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD. FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF OHIO | $5K | — | $5K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVENUE #410 CLEVELAND, OH 44113 | EYE MED | $7K | — | $7K | 12.17% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 507 | $328K |
| Dental | DELTA DENTAL PLAN OF OHIO | 854 | $177K |
| Vision | EYE MED | 719 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,474 | $373K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,474 | $373K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,474 | $373K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 507 | $328K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,474 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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.