| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | HCC LIFE INSURANCE COMPANY | $47K | — | $47K | 10.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | HCC LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | CIGNA | $11K | — | $11K | 6.88% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.41% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $571 | $571 | 0.56% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $469 | $469 | 0.56% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.32% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $213 | $213 | 0.57% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | EYEMED | $4K | — | $4K | 11.50% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEECHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $81 | $81 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PBM | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $767K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $118K |
| CORPORATE PLANS, INC. EIN 34-1326634 BROKER | Other commissions Service code 55 | — | $23K |
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 | 489 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 342 | $165K |
| Vision | EYEMED | 531 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $83K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $101K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $38K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 393 | $647K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.