| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1100 SUPERIOR AVENUE, SUITE 1700 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $116K | $30K | $146K | 18.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NORTHWEST LOOP 410, SUITE 320 CHARLOTTE, NC 28226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 15.06% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 11.43% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY, INC. | PO BOX 570 CHARGRIN FALLS, OH 44022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $510 | — | $510 | 0.38% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3601 GREEN ROAD, SUITE 320 BEACHWOOD, OH 44122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 0.10% |
| RANDI CIMORELL-VOELKEL3 | 3601 GREEN ROAD, SUITE 201 BEACHWOOD, OH 44122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MAIA LABOW3 | 666 DUNDEE ROAD NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 1,104 | 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) | 1,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,228 | $856K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $786K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $786K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $786K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,104 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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.