| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH STREET CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $209K | $209K | 4.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH STREET CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $17K | $51K | 6.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH STREET CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | ONE CLEVELAND CENTER 30TH FLOOR 1375 EAST 9TH STREET CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.12% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS, INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $313 | $0 | $313 | 0.79% |
| E. JOANNE DAVIDSON3 | 739 DANIE SHAYS HWY BOX C25 ATHOL, MA 01331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| MEMBERSHIP BENEFITS GROUP3 Filed as: MEMBERSHIP BENEFITS INS AGENCY | 8 BEACON ST STE 24 BOSTON, MA 02108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| RANDI CIMORELL-VOELKEL3 | 3601 GREEN RD STE 201 BOSTON, MA 02108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $4.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $799K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $755K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $755K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $755K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $755K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.