| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $492 | — | $492 | 5.07% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE SUITE 1800 CLEVELAND, OH 44113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $332 | $332 | 3.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $7.1M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Direct payment from the plan; Float revenue Service code 12 | — | $1.8M |
| EVERSIDE HEALTH EIN 45-3449075 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $1.4M |
| PAYER MATRIX EIN 81-3946362 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.4M |
| HELLO HEART EIN 82-3489727 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $434K |
| THE JAMES B. OSWALD COMPANY EIN 34-0445620 NONE | Other services; Direct payment from the plan Service code 49 | — | $290K |
| TRUHEARING EIN 20-0415501 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $240K |
| VIVEKA NONE | Other services; Direct payment from the plan Service code 49 | 104 W 14TH ST NEW YORK, NY 10011 | $204K |
| HMC HEALTHWORKS INC. EIN 75-3189468 NONE | Direct payment from the plan; Other services Service code 49 | — | $183K |
| SWORD EIN 34-1849452 NONE | Other services; Direct payment from the plan Service code 49 | — | $174K |
| LIVONGO EIN 26-3542036 NONE | Direct payment from the plan; Other services Service code 49 | — | $160K |
| DELTA DENTAL PLAN OF OHIO EIN 31-0685339 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $147K |
| FAULKNER, HOFFMAN & PHILLIPS EIN 45-1540483 NONE | Legal; Direct payment from the plan Service code 29 | — | $145K |
| ABBY PECORARO EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| ANDREA SMITH EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| CURIO DIGITAL THERAPEUTICS EIN 85-2977374 NONE | Other services; Direct payment from the plan Service code 49 | — | $102K |
| MICHAEL KREIS EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $99K |
| LAMAR FLOYD EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| JERALYNN SCHNELL EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| RSM US LLP EIN 42-0714325 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $83K |
| GALLAGHER FIDUCIARY ADVISORS EIN 26-0516431 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $73K |
| LINDA JOHNS EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| MORELANDCONNECT EIN 47-1044572 NONE | Direct payment from the plan; Other services Service code 49 | — | $60K |
| ANGELA KANZIG EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| EMPOWERING PUNCH NONE | Other services; Direct payment from the plan Service code 49 | 1512 SOUTHPARK CTR STRONGSVILLE, OH 44136 | $52K |
| SHERI SARICH EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| BRIAND MORRIS EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| KEITHA NUNN EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| QWESTCOM EIN 34-1959482 NONE | Direct payment from the plan; Other services Service code 49 | — | $49K |
| CARL PECORARO EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| JANINE VEVE EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| TODD ASSOCIATES EIN 34-0727780 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $42K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Direct payment from the plan Service code 28 | — | $38K |
| GINA MORGAN-BASHINSKY EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $34K |
| VSP EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $28K |
| BLACKROCK INSTUTIONAL TRUST EIN 94-3112180 NONE | Direct payment from the plan; Investment management Service code 28 | — | $28K |
| BNY MELLON ASSET SERVICING EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $20K |
| WESTERN ASSET EIN 04-3404987 NONE | Investment management; Direct payment from the plan Service code 28 | — | $16K |
| ACUITY EIN 39-0491540 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $13K |
| DELAWARE VALLEY HEALTH CARE NONE | Other fees; Insurance agents and brokers Service code 22 | 2980 S HAMPTON RD PHILADELPHIA, PA 19154 | $12K |
| CINCINNATI INSURANCE EIN 31-0542366 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $8K |
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 | 4,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,496 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 2,387 | $2.4M |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 4,268 | $4.3M |
| Short-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 4,268 | $4.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 37 | $10K |
| Prescription drug | HUMANA INSURANCE COMPANY | 2,387 | $2.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,859 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,859 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.