| 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 | $193K | — | $193K | 2.51% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167K | — | $167K | 15.36% |
| HERITAGE ONE3 | 15 MIDDLE CREEK RD. SIGNAL MOUNTAIN, TN 37377 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $51K | $4K | $54K | 5.02% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 15.71% |
| 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 | 2.88% |
| AMY P. DICKENSON3 | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.30% |
| 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 | — | $495 | $495 | 0.63% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 COCHRAN RD. STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $456 | — | $456 | 0.58% |
| HERITAGE ONE3 | 15 MIDDLE CREEK RD. SIGNAL MOUNTAIN, TN 37377 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | $164 | $1K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $924 | $4K | 6.05% |
| 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. | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $1.5M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.2M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $84K |
| CIGNA HEALTH & LIFE INSURANCE CO | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services 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 | 49,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 59,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,658 | $1.1M |
| Vision(6 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 32,537 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 50,045 | $17.6M |
| Short-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,792 | $126K |
| Long-term disability(5 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,308 | $1.5M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 93 | $36K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,667 | $710K |
| Other(5 contracts, 5 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 54,475 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,475 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.