| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WEST LAKE, OH 44145 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 4.95% |
| 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 | $8K | $0 | $8K | 3.81% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD, SUITE 110 WEST LAKE, OH 44145 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 1660 WEST 2ND STREET, SUITE 650 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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 368 | $223K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 271 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $219K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $219K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 501 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.