| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 Filed as: REDTAIL, LTD. | 9999 BREWSTER LN, STE. 100 POWELL, OH 43065 | MEDICAL MUTUAL | $93K | $52K | $145K | 3.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $19K | $1 | $19K | 0.50% |
| REDTAIL LTD3 Filed as: REDTAIL, LTD. | 9999 BREWSTER LANE, STE. 100 POWELL, OH 43065 | GUARDIAN | $3K | — | $3K | 5.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | GUARDIAN | $770 | — | $770 | 1.28% |
| REDTAIL LTD3 Filed as: REDTAIL, LTD. | 9999 BREWSTER LANE, STE. 100 POWELL, OH 43065 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 17.05% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 157 | $3.8M |
| Dental | GUARDIAN | 175 | $60K |
| Vision | GUARDIAN | 175 | $60K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 355 | $41K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 355 | $41K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 355 | $41K |
| Prescription drug | MEDICAL MUTUAL | 157 | $3.8M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 355 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.