| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $9K | $24K | 4.37% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $370 | $0 | $370 | 0.07% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF OHIO | $15K | $0 | $15K | 3.26% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 1.27% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN ROAD SOLON, OH 44139 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 0.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | $0 | $7K | 6.64% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 3.36% |
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 | 865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,693 | $459K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,361 | $102K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,021 | $560K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,021 | $560K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,021 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,693 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.