| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | HCC LIFE INSURANCE COMPANY | $51K | — | $51K | 10.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | HCC LIFE INSURANCE COMPANY | $17K | — | $17K | 9.40% |
| 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 BEECHWOOD, 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 | $10K | — | $10K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.51% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$211 | $2K | $1K | 1.34% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.35% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 3.47% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | EYEMED | $3K | — | $3K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PBM | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $599K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $91K |
| CORPORATE PLANS, INC. EIN 34-1326634 BROKER | Other commissions Service code 55 | — | $9K |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CIGNA | 331 | $322K |
| Vision | EYEMED | 517 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 566 | $105K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 566 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 566 | $104K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 365 | $693K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 566 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.