| 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 | MEDMUTUAL LIFE INSURANCE COMPANY | $257K | — | $257K | 2.60% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON II | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $285K | — | $285K | 14.99% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $57K | — | $57K | 5.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $3K | — | $3K | 0.34% |
| HERITAGE ONE3 | 15 MIDDLE CREEK RD. SIGNAL MOUNTAIN, TN 37377 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.38% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 4.95% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 4.97% |
| GREGORY J. LOUGH3 | 9970 CAMPTON RIDGE CHARDON, OH 44024 | GUARDIAN | $26K | — | $26K | 10.00% |
| AMY P. DICKENSON3 | 220 GLEN RD MORELAND HILLS, OH 44022 | GUARDIAN | $26K | — | $26K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 9970 CAMPTON RIDGE CHARDON, OH 44024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.14% |
| AMY P. DICKENSON3 | 6325 COCHRAN RD STE 1 SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 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 | $475 | — | $475 | 0.63% |
| 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 | — | $473 | $473 | 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 | $703 | $3K | 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% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | — | $14K | 70.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $809 | — | $809 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.5M |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $1.7M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $245K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator Service code 13 | — | $128K |
| 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 | 53,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,482 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 63,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,956 | $1.1M |
| Vision(14 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 36,047 | $6.6M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 58,592 | $20.7M |
| Short-term disability(5 contracts, 4 carriers) | USABLE LIFE | 2,262 | $1.4M |
| Long-term disability(8 contracts, 6 carriers) | USABLE LIFE | 2,262 | $2.7M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 82 | $40K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | TOKIO MARINE - STEALTH PARTNER GROUP | 7,362 | $3.2M |
| Other(5 contracts, 5 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 58,592 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,592 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.