| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE SUITE 100 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | $3K | $256 | $3K | 1.38% |
| REDTAIL LTD3 | 9999 BREWSTER LANE POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $2K | $355 | $3K | 1.27% |
| REDTAIL LTD3 | 9999 BREWSTER LANE POWELL, OH 43065 | MET LIFE | $39 | $0 | $39 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | MET LIFE | $29 | $0 | $29 | 0.24% |
| REDTAIL LTD3 Filed as: REDTAIL LTD. | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $219 | $30 | $249 | 14.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | $156 | $24 | $180 | 10.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | MET LIFE | $1K | $0 | $1K | — |
| REDTAIL LTD3 | 9999 BREWSTER LANE POWELL, OH 43065 | MET LIFE | $0 | $0 | $0 | — |
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 | 9 | 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) | 9 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 9 | $213K |
| Dental | MET LIFE | 6 | $0 |
| Vision | MET LIFE | 0 | $12K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 9 | $213K |
| Other | MEDICAL MUTUAL OF OHIO | 9 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.