| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC . | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF OHIO | $36K | $0 | $36K | 3.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $130K | $321 | $131K | 12.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 6450 ROCKSIDE WOODS BOULEVARD SUITE 250 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $26K | $26K | 2.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $17K | $21K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $930 | $0 | $930 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 EAST 4TH STREET, SUITE 625 CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 11.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 6450 ROCKSIDE WOODS BOULEVARD SUITE 250 INDEPENDENCE, OH 44131 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3K | — | -$3K | -1.62% |
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 | 2,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 3,746 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,910 | $194K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,573 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,573 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,573 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,746 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.