| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SUN LIFE ASSURANCE COMPANY OF CANADA | $78K | — | $78K | 9.21% |
| UMR, INC.3 Filed as: UMR | 115 WEST WAUSUA AVENUE WAUSUA, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 0.57% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC. | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIASTAR LIFE INSURANCE COMPANY | $52K | — | $52K | 20.35% |
| CORPORATE PLANS, LLC5 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN ROAD SOLON, OH 44139 | DELTA DENTAL OF OHIO | $4K | — | $4K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | EYEMED | $3K | — | $3K | 9.37% |
| KROGER PRESCRIPTION PLAN5 | 1014 VINE STREET CINCINNATI, OH 45202 | KROGER PRESCRIPTION PLAN | $0 | $28K | $28K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $196K |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 685 | $38K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 725 | $170K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 685 | $75K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 661 | $257K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 661 | $257K |
| Prescription drug | KROGER PRESCRIPTION PLAN | 358 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $850K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 685 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.