| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS5 | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | RX BENEFIT | $0 | $5K | $5K | 0.43% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SUN LIFE ASSURANCE COMPANY OF CANADA | $71K | — | $71K | 10.00% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $15K | $6K | $21K | 14.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $711 | $711 | 0.48% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $11K | $4K | $15K | 14.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $544 | $544 | 0.50% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $8K | $3K | $12K | 14.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $409 | $409 | 0.48% |
| 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 | EYEMED | $5K | — | $5K | 15.02% |
| CORPORATE PLANS, LLC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $796 | — | $796 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE | $0 | $32 | $32 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADM FEES | Claims processing Service code 12 | — | $248K |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 810 | $310K |
| Vision | EYEMED | 529 | $34K |
| Life insurance | LINCOLN NATIONAL LIFE | 390 | $147K |
| Long-term disability | LINCOLN NATIONAL LIFE | 390 | $108K |
| Prescription drug | RX BENEFIT | 312 | $1.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $778K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 390 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.