| 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 | $40K | $0 | $40K | 7.08% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 441225837 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $16 | $38K | 9.98% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK , STE A BEACHWOOD, OH 441225837 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.28% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.61% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $271 | $7K | 11.40% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $329 | $4K | 6.18% |
| 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 | $898 | — | $898 | 1.55% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 441225837 | VISION SERVICE PLAN | $2K | — | $2K | 3.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $278K |
| INGENIO RX, INC | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $40K |
| 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; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $0 |
| INGENIORX EIN 82-3062245 SERVICE PROVIDER | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | -$15K |
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 | 840 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 840 | 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 | 840 | $565K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $378K |
| Vision | VISION SERVICE PLAN | 280 | $44K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $378K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $86K |
| Prescription drug | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 840 | $565K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 840 | $565K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.