| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | CONSUMERS LIFE INSURANCE COMPANY | $188K | — | $188K | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93245 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $9K | $41K | 2.51% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162K | — | $162K | 14.49% |
| HERITAGE ONE3 | 15 MIDDLE CREEK RD. SIGNAL MOUNTAIN, TN 37377 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $39K | $8K | $47K | 4.95% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $24K | — | $24K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | 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 | $2K | — | $2K | 2.91% |
| AMY P. DICKENSON3 | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W. GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $530 | $530 | 0.63% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6001 COCHRAN RD. STE 400 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $493 | — | $493 | 0.58% |
| HERITAGE ONE3 | 15 MIDDLE CREEK RD. SIGNAL MOUNTAIN, TN 37377 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $454 | $3K | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.49% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $2K | — | $2K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | GUARDIAN | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $1.5M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $77K |
| CIGNA HEALTH & LIFE INSURANCE CO | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator 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 | 48,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,523 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,320 | $1.2M |
| Vision(6 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 35,384 | $4.9M |
| Life insurance(2 contracts, 2 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 48,805 | $18.9M |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,810 | $91K |
| Long-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,684 | $3.0M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 102 | $44K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 2,463 | $579K |
| Other(5 contracts, 5 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 48,805 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,805 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.