| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80K | $80K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | MEDMUTUAL LIFE INSURANCE COMPANY | $221K | — | $221K | 2.71% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 AURORA RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $261K | — | $261K | 15.13% |
| HERITAGE ONE3 | 15 MIDDLE CREEK RD. SIGNAL MOUNTAIN, TN 37377 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $48K | $0 | $48K | 5.91% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC - S | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $25K | — | $25K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | GUARDIAN | $25K | — | $25K | 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 | 3.44% |
| AMY P. DICKENSON3 | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.75% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 AURORA RD. STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $468 | — | $468 | 0.69% |
| 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 | — | $425 | $425 | 0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $830 | $4K | 6.05% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $3K | — | $3K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | GUARDIAN | $3K | — | $3K | 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 | $3K | — | $3K | 27.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $1.6M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.4M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $88K |
| CIGNA HEALTH & LIFE INSURANCE CO | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; 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 | 51,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,649 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,287 | $971K |
| Vision(6 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 34,524 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 52,439 | $18.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,816 | $38K |
| Long-term disability(5 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,217 | $1.2M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $46K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,806 | $355K |
| Other(5 contracts, 5 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 52,439 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52,439 | — |
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.