| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $44K | $4K | $48K | 16.82% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | MEDICAL MUTUAL | $13K | $1K | $14K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7/12750 METRO DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN | $8K | $3K | $10K | 9.09% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $2K | $0 | $2K | 1.65% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $1K | $0 | $1K | 1.18% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 143 | $400K |
| Dental | GUARDIAN | 143 | $113K |
| Vision | GUARDIAN | 143 | $113K |
| Life insurance | GUARDIAN | 143 | $113K |
| Short-term disability | GUARDIAN | 143 | $113K |
| Long-term disability | GUARDIAN | 143 | $113K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 109 | $287K |
| Other | GUARDIAN | 143 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.