| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 4.96% |
| THE CHELKO CONSULTING GROUP3 Filed as: CHELKO CONSULTING GROUP, LLC | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.50% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $917 | $0 | $917 | 5.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 950 MAIN AVENUE, SUITE 1600 CLEVELAND, OH 44113 | FEDERAL INSURANCE COMPANY | $308 | $0 | $308 | 15.02% |
No Schedule C service providers reported on this filing.
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 338 | $244K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 209 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 669 | $196K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 669 | $196K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 377 | $749K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 669 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.