| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK ROAD SUITE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $363K | $7K | $371K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Claims processing Service code 12 | — | $1.5M |
| CLEVELAND AUTO DEALERS' ASSOCIATION EIN 34-1320838 PLAN SPONSOR | Contract Administrator Service code 13 | — | $226K |
| CHRISTOPHER J. MARTENS NONE | Actuarial Service code 11 | 28258 FARRS GARDEN PATH WESTLAKE, OH 44145 | $39K |
| APPLE GROWTH PARTNERS EIN 81-4504770 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| FISHER & PHILLIPS EIN 34-1178704 NONE | Actuarial Service code 11 | — | $27K |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing Service code 12 | — | $18K |
| LEWIS & ELLIS NONE | Actuarial Service code 11 | 6600 CHASE OAKS BLVD PLANO, TX 75023 | $10K |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,960 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,960 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.