| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS5 | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | RX BENEFIT | $0 | $5K | $5K | 0.67% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | COMPANION LIFE | $60K | — | $60K | 10.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | GUARDIAN | $22K | $11K | $33K | 16.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | -$2K | — | -$2K | -1.17% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | TOKIO MARINE HCC | $7K | — | $7K | 10.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE | $4K | $2K | $5K | 14.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | EYEMED | $4K | — | $4K | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $2K | — | $2K | 5.10% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE | $3K | $1K | $4K | 14.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE | $2K | $709 | $2K | 14.00% |
| CLARK THEDERS AGENCY3 | 9938 CRESCENT PARK DRIVE WEST CHESTER, OH 45069 | FEDERAL INSURANCE COMPANY | $191 | $51 | $242 | 18.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADM FEES | Claims processing Service code 12 | — | $312K |
| FLEXBANK EIN 31-1465080 CLAIMS PROCESSING | Claims processing Service code 12 | — | $6K |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 941 | $340K |
| Vision | EYEMED | 529 | $33K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 421 | $246K |
| Short-term disability | GUARDIAN | 418 | $207K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 421 | $235K |
| Prescription drug | RX BENEFIT | 348 | $764K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 347 | $667K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 421 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.