| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 972094129 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.09% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO RD SUITE 650 LUTHERVILLE, MD 210936929 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.00% |
| ROBERT BRICKWEG3 | 138 WASHAM ROAD MOORESVILLE, NC 28117 | CONSUMERS LIFE INSURANCE COMPANY | $123K | — | $123K | 1.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109K | $28K | $138K | 3.55% |
| DICKENSON II, DAVID S3 | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113K | $0 | $113K | 14.95% |
| ROBERT BRICKWEG3 | 138 WASHAM ROAD MOORESVILLE, NC 28117 | CONSUMERS LIFE INSURANCE COMPANY | $8K | — | $8K | 1.76% |
| GREGORY J. LOUGH3 Filed as: GREGORY J LOUGH | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $24K | $0 | $24K | 10.00% |
| AMY P. DICKENSON3 Filed as: AMY P DICKENSON | 31090 PROVIDENCE RD PEPPER PIKE, OH 44124 | GUARDIAN | $24K | $0 | $24K | 10.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE, SUITE 1000 JACKSONVILLE, FL 322024941 | COMPBENEFITS | $0 | $47 | $47 | 0.03% |
| ROBERT BRICKWEG3 | 138 WASHAM ROAD MOORESVILLE, NC 28117 | CONSUMERS LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 8561 EAST AVE MENTOR, OH 44060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.52% |
| DICKENSON II, DAVID S3 Filed as: DICKENSON, AMY P | 29500 AURORA ROAD, SUITE 2 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.61% |
| DICKENSON II, DAVID S3 | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448 | $0 | $448 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $165 | $165 | 0.33% |
| ROBERT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| GREGORY J. LOUGH3 Filed as: GREGORY J LOUGH | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $2K | $0 | $2K | 10.00% |
| AMY P. DICKENSON3 Filed as: AMY P DICKENSON | 31090 PROVIDENCE RD PEPPER PIKE, OH 44124 | GUARDIAN | $2K | $0 | $2K | 10.00% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCIAL GROWTH OF NO OH | 25101 CHAGRIN BLVD SUITE 100 BEACHWOOD, OH 44122 | GUARDIAN | $198 | $0 | $198 | 1.00% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCIAL GROWTH OF NO OH | 25101 CHAGRIN BLVD SUITE 100 BEACHWOOD, OH 44122 | GUARDIAN | $20 | $0 | $20 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN. | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $966K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $759K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSSING | Claims processing Service code 12 | — | $62K |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE, SUITE 1000 JACKSONVILLE, FL 32202 | $59K |
| CIGNA HEALTH & LIFE INSURANCE CO | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 40,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,202 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,903 | $1.1M |
| Vision(5 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 51,677 | $2.8M |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 34,603 | $16.3M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,310 | $4.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,264 | $410K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 42,000 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,677 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.