| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INC. | — | MEDICAL MUTUAL | $558 | — | $558 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7/12750 MERIT DRIVE SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 4.66% |
| BARRETT BENEFITS GROUP3 | 593 BROADWAY AVENUE CLEVELAND, OH 44146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $418 | — | $418 | 0.31% |
| USI INSURANCE SERVICES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.48% |
| BARRETT BENEFITS GROUP3 | 93 BROADWAY AVENUE BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATI | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.90% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP INC | 3628 WALNUT HILLS ROAD CLEVELAND, OH 44122 | MEDMUTUAL LIFE INSURANCE COMPANY | $292 | — | $292 | 0.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 15.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $675 | — | $675 | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATI | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $239 | $239 | 2.75% |
| BARRETT BENEFITS GROUP3 | 93 BROADWAY AVENUE BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $159 | — | $159 | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 458.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 100.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATI | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 89.10% |
| BARRETT BENEFITS GROUP3 | 93 BROADWAY AVENUE BEDFORD, OH 44146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 88.95% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $134K |
| Vision | MEDICAL MUTUAL | 232 | $2.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 584 | $10K |
| Short-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 164 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $69K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 302 | $0 |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 584 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.