| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BE SOLUTIONS LLC3 | 276 S. LOGAN ST ELYRIA, OH 44035 | HUMANA INSURANCE COMPANY | $5K | $3K | $8K | 4.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SUITE 400S 12404 PARK CENTRAL DRIVE DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | $5K | $277 | $5K | 3.13% |
| GREEN LINE BENEFITS3 Filed as: GREEN LINE BENEFITS LLC | 5150 TAMIAMI TRAIL N. STE 501 NAPLE, FL 34103 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 5.00% |
| BE SOLUTIONS LLC3 | 276 S LOGAN ST ELYRIA, OH 44035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.79% |
| BE SOLUTIONS LLC3 | 276 SOUTH LOGAN STREET ELYRIA, OH 44035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BE SOLUTIONS LLC3 | 276 S LOGAN ST ELYRIA, OH 44035 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | $1K | $66 | $1K | 3.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JP FARLEY CORPORATION EIN 34-1363719 NONE | Claims processing Service code 12 | 29055 CLEMENS ROAD WESTLAKE, OH 44145 | $201K |
| KOEHLER FITZGERALD LLC EIN 27-4209347 NONE | Legal Service code 29 | 1111 SUPERIOR AVE EAST SUITE 2500 CLEVELAND, OH 44114 | $37K |
| CIGNA CORPORATION EIN 06-0303370 NONE | Direct payment from the plan; Claims processing Service code 12 | PO BOX 645014 CINCINNATI, OH 45264 | $13K |
| MEDWATCH LLC EIN 16-1662117 NONE | Claims processing Service code 12 | PO BOX 21796 TAMPA, FL 33630 | $11K |
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 | 569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 403 | $168K |
| Vision | HUMANA INSURANCE COMPANY | 357 | $40K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $172K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 599 | $117K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.