| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | 13700 STATE RD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $390 | $11K | 11.36% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $997 | $7K | 7.53% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.06% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | 0.05% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVE. AKRON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | 3410 MAGNOLIA WAY BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| DAVID L SMELCER3 Filed as: DAVID LEE SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY INC. | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH ST. CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AMY PARTEE3 | 6665 STONE RD MEDINA, OH 44256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| REDTAIL LTD3 Filed as: REDTAIL, LTD | 9999 BREWSTER LN, STE. 100 POWELL, OH 43065 | DELTA DENTAL OF OHIO | $6K | — | $6K | 6.08% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD FL 5 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $3K | — | $3K | 3.54% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 6830 COCHRAN RD SOLON, OH 44139 | DELTA DENTAL OF OHIO | $941 | — | $941 | 1.00% |
| REDTAIL LTD3 Filed as: REDTAIL, LTD | 9999 BREWSTER LN, STE. 100 POWELL, OH 43065 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $336K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $157K |
| REDTAIL LTD EIN 31-1460617 BROKER | Other commissions Service code 55 | 9999 BREWSTER LN 100 POWELL, OH 43065 | $53K |
| THE FEDELI GROUP INC EIN 34-1310398 BROKER | Other commissions Service code 55 | 5005 ROCKSIDE RD., 5TH FLOOR INDEPENDENCE, OH 44131 | $29K |
| UBS FINANCIAL SERVICES INC. EIN 13-2638166 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 1285 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | $7K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 320 | $94K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 155 | $15K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 155 | $98K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 245 | $446K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 155 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.