| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $0 | $47K | 2.98% |
| THE CHELKO CONSULTING GROUP3 Filed as: THE CHELKO CONSULTING GROUP LLC | 24561 CENTER RIDGE ROAD, SUITE 100 WESTLAKE, OH 44145 | DELTA DENTAL OF OHIO | $4K | $0 | $4K | 0.44% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.53% |
| THE CHELKO CONSULTING GROUP3 Filed as: THE CHELKO CONSULTING GROUP LLC | 24561 CENTER RIDGE ROAD, SUITE 100 WESTLAKE, OH 44145 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.38% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.55% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.59% |
| ALERITY GROUP3 Filed as: ALERITY GROUP LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.16% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $0 | $61 | $61 | 0.10% |
| THE CHELKO CONSULTING GROUP3 Filed as: THE CHELKO CONSULTING GROUP LLC | 24561 CENTER RIDGE ROAD, SUITE 100 WESTLAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | $0 | $136 | 0.54% |
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 | 1,015 | 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) | 1,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $172K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 2,383 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,160 | $144K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,025 | $1.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,025 | $1.6M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $172K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,816 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,383 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.