| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVE E #1700 CLEVELAND, OH 44114 | TOKIO MARINE | $41K | — | $41K | 13.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | TOKIO MARINE | $8K | — | $8K | 2.68% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $8K | $9K | 7.61% |
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFITS AGCY INC | 31300 SOLON RD, SUITE 8 SOLON, OH 44139 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 600084036 | VISION SERVICE PLAN | $865 | — | $865 | 6.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 441142544 | VISION SERVICE PLAN | $39 | — | $39 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $37K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 101 | $302K |
| Dental(2 contracts, 2 carriers) | TOKIO MARINE | 123 | $424K |
| Vision(2 contracts, 2 carriers) | TOKIO MARINE | 101 | $316K |
| Life insurance(2 contracts, 2 carriers) | TOKIO MARINE | 123 | $424K |
| Short-term disability(2 contracts, 2 carriers) | TOKIO MARINE | 123 | $424K |
| Long-term disability(2 contracts, 2 carriers) | TOKIO MARINE | 123 | $424K |
| Prescription drug | TOKIO MARINE | 101 | $302K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 101 | $302K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 123 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.