| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS5 | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | RX BENEFIT | $0 | $5K | $5K | 0.54% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | COMPANION LIFE | $77K | — | $77K | 11.11% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $9K | $4K | $12K | 14.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $1K | $1K | 1.52% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $7K | — | $7K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $1K | $1K | 1.52% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | TOKIO MARINE HCC | $6K | — | $6K | 10.00% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $5K | $2K | $7K | 14.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $789 | $789 | 1.55% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | EYEMED | $6K | — | $6K | 16.09% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $382 | — | $382 | 9.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $86 | $86 | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADM FEES | Claims processing Service code 12 | — | $286K |
| NAVIA BENEFITS EIN 91-1467758 CLAIMS PROCESSING | Claims processing Service code 12 | — | $5K |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 859 | $316K |
| Vision | EYEMED | 540 | $38K |
| Life insurance | LINCOLN NATIONAL LIFE | 371 | $88K |
| Long-term disability | LINCOLN NATIONAL LIFE | 371 | $68K |
| Prescription drug | RX BENEFIT | 327 | $912K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 338 | $755K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 371 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.