| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 | 22901 MILLCREEK BOULEVARD HIGHLAND HILLS, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | $39K | — | $39K | 5.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIASTAR LIFE INSURANCE COMPANY | $60K | — | $60K | 11.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH DEARFILED, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 2.54% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 6.14% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | EYEMED | $4K | — | $4K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $162K |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 676 | $151K |
| Vision | EYEMED | 581 | $35K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 822 | $547K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 822 | $547K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 822 | $547K |
| Prescription drug | CVS HEALTH | 328 | $977K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 328 | $776K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 822 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.