| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $888 | $6K | 8.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BOULEVARD SUITE 210 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF OHIO | $1K | $0 | $1K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN TROY, MI 48083 | DELTA DENTAL OF OHIO | $1K | $145 | $1K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF OHIO | $125 | $0 | $125 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 210 INDEPENDENCE, OH 44131 | VISION SERVICE PLAN | $935 | $0 | $935 | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $571 | $0 | $571 | 3.14% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 222 | $60K |
| Vision | VISION SERVICE PLAN | 79 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $67K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.