| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RM BENEFIT CONSULTANTS, INC.3 | 6101 CENTER ST, UNIT 106 MENTOR, OH 44060 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $29K | $29K | 1.51% |
| RM BENEFIT CONSULTANTS, INC.3 | 6101 CENTER ST, UNIT 106 MENTOR, OH 44060 | COMMUNITY INSURANCE COMPANY | $12K | — | $12K | 10.32% |
| RM BENEFIT CONSULTANTS, INC.3 | 6101 CENTER ST, UNIT 106 MENTOR, OH 44060 | 5 STAR LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| RM BENEFIT CONSULTANTS, INC.3 | 6101 CENTER ST, UNIT 106 MENTOR, OH 44060 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $895 | — | $895 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing Service code 12 | 33 FITCH BLVD. AUSTINTOWN, OH 44515 | $37K |
| MCDONALD PARTNERS EIN 20-2714559 NONE | Other services; Recordkeeping fees; Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1301 EAST 9TH STREET, SUITE 3700 CLEVELAND, OH 44114 | $22K |
| FRANTZ WARD LLP EIN 34-1906425 NONE | Insurance agents and brokers Service code 22 | 200 PUBLIC SQUARE SUITE 3000 CLEVELAND, OH 44114 | $19K |
| BARNES WENDLING CPAS, INC. EIN 34-1463411 NONE | Accounting (including auditing) Service code 10 | 1350 EUCLID AVENUE, SUITE 1400 CLEVELAND, OH 44114 | $16K |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.9M |
| Dental | COMMUNITY INSURANCE COMPANY | 141 | $119K |
| Life insurance(2 contracts, 2 carriers) | 5 STAR LIFE INSURANCE COMPANY | 266 | $47K |
| Other | 5 STAR LIFE INSURANCE COMPANY | 266 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.