| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD SUITE 160 HIGHLAND HILLS, OH 44122 | MEDICAL MUTUAL | $35K | $11K | $46K | 5.18% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 22901 MILLCREEK BLVD STE 160 BEACHWOOD, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA TODD ASSOCIATES | 22901 MILLCREEK BLVD STE 160 BEACHWOOD, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | $776 | — | $776 | 1.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $711 | $711 | 1.29% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES, AN ALERA GROUP AGE | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $217 | $217 | 1.03% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES, AN ALERA GROUP AGE | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $592 | — | $592 | 10.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $30 | $30 | 0.51% |
No Schedule C service providers reported on this filing.
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 82 | $879K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $55K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $55K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $27K |
| Prescription drug | MEDICAL MUTUAL | 82 | $879K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.