| 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 | $0 | $42K | $42K | 1.50% |
| RM BENEFIT CONSULTANTS, INC.3 | 6101 CENTER ST., UNIT 106 MENTOR, OH 44060 | COMMUNITY INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RM BENEFIT CONSULTANTS, INC.3 | 6101 CENTER ST., UNIT 106 MENTOR, OH 44060 | 5 STAR LIFE INSURANCE COMPANY | $11K | — | $11K | 17.99% |
| ASSUREDPARTNERS3 Filed as: RM BENFIT CONSULTANTS INC. | 6101 CENTER ST., UNIT 106 MENTOR, OH 44060 | HEARTLAND | $934 | — | $934 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing Service code 12 | 3660 STUTZ DR STE 101 CANFIELD, OH 44406 | $41K |
| CHARLES SCHWAB NONE | Direct payment from the plan; Investment advisory (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Recordkeeping fees; Other investment fees and expenses Service code 15 | 2360 W 11TH ST CLEVELAND, OH 44113 | $34K |
| BARNES WENDLING CPAS, INC. EIN 34-1463411 NONE | Accounting (including auditing) Service code 10 | 1350 EUCLID AVENUE, SUITE 1400 CLEVELAND, OH 44114 | $27K |
| KADISH, HINKEL AND WEIBEL EIN 34-1168263 NONE | Insurance agents and brokers Service code 22 | 1360 E. 9TH STREET, SUITE 400 CLEVELAND, OH 44114 | $14K |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $2.8M |
| Dental | COMMUNITY INSURANCE COMPANY | 169 | $142K |
| Vision | HEARTLAND | 160 | $9K |
| Life insurance | 5 STAR LIFE INSURANCE COMPANY | 239 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
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.