| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | 1375 EAST 9TH STREET CLEVELAND, OH 441141797 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $175K | $175K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | 1375 EAST 9TH STREET CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $15K | $43K | 6.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | 1375 EAST 9TH STREET CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.12% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS, INC. | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | — | $391 | 1.09% |
| RANDI CIMORELL-VOELKEL3 | 3601 GREEN ROAD, STE 201 BEACHWOOD, OH 44122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| E. JOANNE DAVIDSON3 | 739 DANIE SHAYS HWY BOX C25 ATHOL, MA 01331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MEMBERSHIP BENEFITS GROUP3 Filed as: MEMBERSHIP BENEFITS INS AGENCY | 8 BEACON ST., SUITE 24 BOSTON, MA 02108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.03% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $614K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $614K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $614K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $614K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $614K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.