| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH ST. STE 900 PORTLAND, OR 972094129 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| ROBERT BRICKWEG3 | 144 HEATHELAND LANE MOORESVILLE, NC 28117 | CONSUMERS LIFE INSURANCE COMPANY | $108K | — | $108K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $26K | $124K | 6.08% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 15.04% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $17K | $17K | 3.00% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $24K | — | $24K | 10.00% |
| AMY P. DICKENSON3 | 31090 PROVIDENCE RD. PEPPER PIKE, OH 44124 | GUARDIAN | $24K | — | $24K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 8561 EAST AVE MENTOR, OH 44060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.76% |
| AMY P. DICKENSON3 | 29500 AURORA RD STE 2 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.01% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6001 COCHRAN RD. STE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $513 | — | $513 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $426 | $426 | 0.62% |
| ROBERT BRICKWEG3 | 138 WASHAM RD. MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $2K | — | $2K | 10.00% |
| AMY P. DICKENSON3 | 31090 PROVIDENCE RD. PEPPER PIKE, OH 44124 | GUARDIAN | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $1.2M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $923K |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $66K |
| CIGNA HEALTH & LIFE INSURANCE CO | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary 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 | 42,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,286 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 46,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,193 | $991K |
| Vision(4 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 41,838 | $6.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 39,377 | $15.8M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,362 | $2.4M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,602 | $559K |
| Other(4 contracts, 4 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 42,000 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,000 | — |
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."
No prospect flags tripped on this filing.