| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK STE A BEACHWOOD, OH 441225837 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $37K | — | $37K | 6.57% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 441225837 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $57 | $35K | 9.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET FLOOR 6, 1 WORLD FINANCIAL CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.02% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK , STE A BEACHWOOD, OH 441225837 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.38% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 441225837 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.71% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $229 | $5K | 12.14% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $237 | $3K | 7.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY ST 6TH FL, ONE WORLD FINANCIAL CTR NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $73 | $2K | 3.82% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Contract Administrator; Other services; Other fees; Claims processing; Insurance brokerage commissions and fees; Other commissions; Float revenue Service code 12 | — | $343K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 SERVICE PROVIDER | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $0 |
| TODD ASSOCIATES, INC. EIN 34-0727780 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions 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 | 888 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 888 | 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 | 888 | $558K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $393K |
| Vision | VISION SERVICE PLAN | 289 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $393K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $66K |
| Prescription drug | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 888 | $558K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 888 | $558K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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."
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.