| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 | AGENCY I 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | MEDICAL MUTUAL | $72K | — | $72K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $0 | $4 | $4 | 0.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 022102031 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $75 | $75 | 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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 203 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $265K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $265K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $265K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $265K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $265K |
| Prescription drug | MEDICAL MUTUAL | 203 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.