| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INDEMNITY GROUP LLC | 3628 WALNUT HILLS AVENUE BEACHWOOD, OH 44122 | ANTHEM - COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 4.92% |
| THE IDEMNITY GROUP LLC3 | 3628 WALNUT HILLS ROAD SUITE 200 ORANGE VILLAGE, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| LIFETIME FINANCIAL GROWTH OF N | 24500 CHAGRIN BLVD. BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARY BONCELLA EMPLOYEE | Employee (plan) Service code 30 | 2297 LAMBERTON ROAD CLEVELAND HEIGHTS, OH 44118 | $154K |
| MAUREEN STAVOLE EMPLOYEE | Employee (plan) Service code 30 | 9689 GRIST MILL RUN OLMSTED FALLS, OH 44138 | $71K |
| CHRISSANN CHAMBERS EMPLOYEE | Employee (plan) Service code 30 | 7030 WESTVIEW DRIVE BRECKSVILLE, OH 44141 | $66K |
| THE SEGAL COMPANY EIN 13-1975125 ACTUARIAL SERVICES | Actuarial Service code 11 | — | $61K |
| FAULKNER, HOFFMAN & PHILLIPS LLC EIN 45-1540483 LEGAL SERVICES | Legal Service code 29 | 20445 EMERALD PKWY 210 CLEVELAND, OH 44135 | $27K |
| DONNA SCAFARO EMPLOYEE | Employee (plan) Service code 30 | 6776 HATHAWAY ROAD VALLEY VIEW, OH 44125 | $19K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 AUDITOR | Accounting (including auditing) Service code 10 | 23775 COMMERCE PARK BEACHWOOD, OH 44122 | $17K |
| 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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $3.4M |
| Dental | ANTHEM - COMMUNITY INSURANCE COMPANY | 70 | $56K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 225 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 12 | $1K |
| Prescription drug | ANTHEM MEDICARE PREFERRED (PPO) | 84 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.