| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3296 COLUMBIA ROAD, SUITE 101 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 600 HIGHWAY 169 S FL 18 SAINT LOUIS PARK, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.01% |
| GROUP BENEFITS SOLUTIONS3 Filed as: GROUP BENEFITS SOLUTIONS, INC. | 3296 COLUMBIA ROAD, SUITE 101 RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | $0 | — | $0 | 0.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 10.64% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3750 TIMBERLAKE RD RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.04% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3750 TIMBERLAKE ROAD RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.20% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 11.06% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3296 COLUMBIA ROAD, SUITE 101 RICHFIELD, OH 44286 | GUARDIAN | $127 | — | $127 | 25.05% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN CLVD. BEACHWOOD, OH 44122 | GUARDIAN | $5 | — | $5 | 0.99% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 342 | $80K |
| Vision | HM LIFE INSURANCE COMPANY | 170 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $382K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $421K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.