| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEECHWOOD, OH 441225837 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $23K | $0 | $23K | 4.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | P.O. BOX 1969 NORTH MORRISTOWN, NJ 07962 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $17K | — | $17K | 3.00% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEECHWOOD, OH 441225837 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 5.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET FLOOR 6, 1 WORLD TRADE CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 4.52% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK , STE A BEACHWOOD, OH 441225837 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | — | $487 | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $377 | $377 | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET 6TH FLOOR, ONE WORLD TRADE CENTER NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $466 | $6K | 14.25% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $264 | $4K | 8.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE STE. 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $415 | — | $415 | 0.98% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEECHWOOD, OH 441225837 | VISION SERVICE PLAN | $815 | — | $815 | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET 6TH FLOOR, ONE WORLD TRADE CENTER NEW YORK, NY 102810001 | VISION SERVICE PLAN | $758 | — | $758 | 1.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Other fees; Contract Administrator Service code 12 | — | $221K |
| TODD ASSOCIATES, INC. EIN 34-0727780 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $0 |
| WILLIS OF NEW YORK, INC. EIN 13-3179522 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | — | $0 |
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 | 784 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 784 | $555K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 814 | $377K |
| Vision | VISION SERVICE PLAN | 275 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 814 | $377K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $73K |
| Prescription drug | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 784 | $555K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 784 | $555K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 814 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.