| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | MEDICAL MUTUAL | $76K | $23K | $99K | 5.29% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.00% |
| NATIONAL BENEFIT CENTER3 | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $169 | $169 | 0.25% |
| COPORATE PLANS INC3 Filed as: COPORATE PLANS INC. | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| NATIONAL BENEFIT CENTER3 | 22901 MILLCREEK BLVD HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $53 | $53 | 0.25% |
| CORPORATE PLANS, LLC0 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| NATIONAL BENEFIT CENTER3 | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.24% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $27 | $1K | 12.26% |
No Schedule C service providers reported on this filing.
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 120 | $1.9M |
| Vision | MEDICAL MUTUAL | 120 | $1.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $67K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $13K |
| Prescription drug | MEDICAL MUTUAL | 120 | $1.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.