See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 5 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 3 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARY BONCELLA EMPLOYEE | Employee (plan) Service code 30 | 2297 LAMBERTON ROAD CLEVELAND HEIGHTS, OH 44118 | $154K |
| THE SEGAL COMPANY EIN 13-1975125 ACTUARIAL SERVICES | Actuarial Service code 11 | — | $89K |
| MAUREEN STAVOLE EMPLOYEE | Employee (plan) Service code 30 | 9689 GRIST MILL RUN OLMSTED FALLS, OH 44138 | $76K |
| CHRISSANN CHAMBERS EMPLOYEE | Employee (plan) Service code 30 | 7030 WESTVIEW DRIVE BRECKSVILLE, OH 44141 | $66K |
| DONNA SCAFARO EMPLOYEE | Employee (plan) Service code 30 | 6776 HATHAWAY ROAD VALLEY VIEW, OH 44125 | $30K |
| FAULKNER, HOFFMAN & PHILLIPS LLC EIN 45-1540483 LEGAL SERVICES | Legal Service code 29 | 20445 EMERALD PKWY 210 CLEVELAND, OH 44135 | $15K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 AUDITOR | Accounting (including auditing) Service code 10 | 23775 COMMERCE PARK BEACHWOOD, OH 44122 | $14K |
| PAYCHEX, INC. PAYROLL SERVICES | Accounting (including auditing) Service code 10 | 100 E. HINES HILL ROAD 330-342-0530 HUDSON, OH 44236 | $7K |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 234 | $3.4M |
| Dental | ANTHEM - COMMUNITY INSURANCE COMPANY | 56 | $51K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 250 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 12 | $5K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 234 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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 broker changed. The plan may take a second-look pitch.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.