No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARY BONCELLA THIRD PARTY ADMINISTRATOR | Employee (plan) Service code 30 | 2297 LAMBERTON ROAD CLEVELAND HEIGHTS, OH 44118 | $150K |
| 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 | $65K |
| LOCAL UNION 436 RENT | Other fees Service code 99 | 6051 CAREY DRIVE VALLEY VIEW, OH 441254259 | $53K |
| ISSI SOFTWARE SOLUTIONS COMPUTER CONSULTING | Consulting (general) Service code 16 | 3000 SOUTH LENOLA RD MAPLE SHADE, NJ 08052 | $30K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 AUDITOR | Accounting (including auditing) Service code 10 | — | $17K |
| THE SEGAL COMPANY EIN 13-1975125 ACTUARY | Actuarial Service code 11 | — | $16K |
| PAYCHEX, INC. PAYROLL SERVICES | Accounting (including auditing) Service code 10 | 100 E. HINES HILL ROAD 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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CLEVELAND BAKERS & TEAMSTERS H&W FUND | 218 | $2.6M |
| Dental | ANTHEM - COMMUNITY INSURANCE COMPANY | 218 | $10K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.