| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLAINS INC | 6830 COCHRAN ROAD SOLON, OH 44139 | MEDICAL MUTUAL | $54K | $23K | $77K | 2.68% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $29K | — | $29K | 1.02% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN ROAD SOLON, OH 44139 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $334 | — | $334 | 0.90% |
No Schedule C service providers reported on this filing.
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 354 | $2.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 650 | $37K |
| Prescription drug | MEDICAL MUTUAL | 354 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.