| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $90K | $432 | $90K | 1.87% |
| VANTAGE FINANCIAL GROUP, INC.3 | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 3.75% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $8K | — | $8K | 3.14% |
| VANTAGE FINANCIAL GROUP, INC.3 | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $817 | $4K | 3.71% |
| PLAN CORP/VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.85% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC DBA CPI-HR | 22901 MILLCREEK BOULEVARD SUITE 160 HIGHLAND HILLS, OH 44122 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$3 | — | -$3 | -0.01% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 326 | $4.8M |
| Dental | DELTA DENTAL OF OHIO | 622 | $239K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 554 | $35K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $385K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $275K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $275K |
| Prescription drug | MEDICAL MUTUAL | 326 | $4.8M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.