| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RM BENEFIT CONSULTANTS, INC. Filed as: RM BENEFIT CONSULTANTS INC | 6101 CENTER STREET MENTOR, OH 44060 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $47K | $47K | 1.50% |
| RM BENEFIT CONSULTANTS, INC. Filed as: RM BENEFIT CONSULTANTS INC | 6101 CENTER ST 106 MENTOR, OH 44060 | HEARTLAND (NATIONAL VISION ADMINISTRATORS) | $998 | — | $998 | 10.00% |
| RM BENEFITS CONSULTANTS I Filed as: RM BENEFITS CONSULTANTS INC | 6101 CENTER STREET MENTOR, OH 44060 | 5STAR LIFE INSURANCE COMPANY | $94 | — | $94 | 11.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 5STAR LIFE INSURANCE COMPANY EIN 54-1829709 CLAIMS PROCESSOR | Claims processing Service code 12 | PO BOX 5005 BATAVIA, IL 60510 | $60K |
| BENESYS, INC. THIRD PARTY ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 3660 STUTZ DRIVE CANFIELD, OH 44406 | $44K |
| PARK EDGE ADVISORS LLC INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | 2360 W 11TH ST CLEVELAND, OH 44113 | $40K |
| BARNES WENDLING CPA'S, INC. AUDITOR | Accounting (including auditing) Service code 10 | 1350 EUCLID AVE, STE 1400 CLEVELAND, OH 44115 | $29K |
| FRANTZ WARD ATTORNEYS AT LAW ATTORNEY | Legal Service code 29 | 200 PUBLIC SQUARE CLEVELAND, OH 44114 | $14K |
| PNC BANK NA BANKING SERVICES | Custodial (other than securities); Account maintenance fees; Trustee (bank, trust company, or similar financial institution) Service code 18 | 300 FIFTH AVE PITTSBURGH, PA 15222 | $12K |
| INT'L FOUNDATION OF EBP'S CONTINUING EDUCATION | Other fees Service code 99 | 18700 WEST BLUEMOUND RD BROOKFIELD, WI 53045 | $5K |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 164 | $3.1M |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 184 | $157K |
| Vision | HEARTLAND (NATIONAL VISION ADMINISTRATORS) | 386 | $10K |
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 19 | $811 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.