| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | $23K | $7K | $30K | 3.28% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, MO 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | $6K | $6K | 2.71% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 1900 POLARIS PARKWAY, SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.63% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 110 | $904K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 110 | $904K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.