| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | AETNA LIFE INSURANCE COMPANY | $77K | $0 | $77K | 4.83% |
| RICHARD B. CHELKO3 | 27500 DETROIT ROAD, SUITE 201 WESTLAKE, OH 44145 | AETNA LIFE INSURANCE COMPANY | $40K | $0 | $40K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 2.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) LLC | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.35% |
| RICHARD B. CHELKO3 | 30506 LAKE ROAD BAY VILLAGE, OH 44140 | AETNA LIFE INSURANCE COMPANY | -$40K | $0 | -$40K | -2.48% |
| THE CHELKO CONSULTING GROUP3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | DELTA DENTAL OF OHIO | $43K | $0 | $43K | 3.84% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF OHIO | $13K | $0 | $13K | 1.19% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.99% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $108 | $1K | 0.25% |
| 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 | $46 | $0 | $46 | 0.01% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $8K | $11K | 3.43% |
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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $143K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 2,920 | $1.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,692 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,692 | $1.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,231 | $312K |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 2,858 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,920 | — |
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.