| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK ROAD SUITE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $153K | $28K | $181K | — |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 23825 COMMERCE BANK ROAD SUITE A BEACHWOOD, OH 44122 | EXPERT BENEFITS SOLUTIONS | $7K | — | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Claims processing Service code 12 | 2060 EAST 9TH STREET CLEVELAND, OH 44115 | $974K |
| CLEVELAND AUTO DEALERS' ASSOCIATION EIN 34-1320838 PLAN SPONSOR | Contract Administrator Service code 13 | 10100 BRECKSVILLE RAOD BRECKSVILLE, OH 44141 | $169K |
| EMPLOYEE BENEFIT CONSULTANTS EIN 39-1577023 NONE | Claims processing Service code 12 | PO BOX 928 FINDLAY, OH 45839 | $50K |
| CHRISTOPHER J. MARTENS NONE | Actuarial Service code 11 | 28258 FARRS GARDEN PATH WESTLAKE, OH 44145 | $42K |
| APPLE GROWTH PARTNERS NONE | Accounting (including auditing) Service code 10 | 1540 W. MARKET STREET AKRON, OH 44313 | $23K |
| CERIDIAN INC. NONE | Claims processing Service code 12 | 9150 S. HILLS BLVD BROADVIEW HEIGHTS, OH 44147 | $15K |
| FISHER & PHILLIPS EIN 34-1178704 NONE | Insurance agents and brokers Service code 22 | 9150 SOUTH HILLS BLVD CLEVELAND, OH 44147 | $13K |
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 | 2,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 2,374 | $0 |
| Dental | EXPERT BENEFITS SOLUTIONS | 970 | $0 |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 2,374 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,374 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.