| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST, SUITE 16 CLEVELAND, OH 44114 | AULTCARE INSURANCE COMPANY | $40K | $0 | $40K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 12.08% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.00% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 CLEVELAND, OH 44121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $734 | $16K | 32.66% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 31.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | $0 | $477 | 0.96% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODBRIDGE ROAD CLEVELAND, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | $0 | $477 | 0.96% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 141 | $720K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $132K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $182K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $132K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $132K |
| Prescription drug | AULTCARE INSURANCE COMPANY | 141 | $720K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.