| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT | 26451 CENTER RIDGE ROAD, SUITE 110 WEST LAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74K | $0 | $74K | 10.00% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT | 27500 DETROIT ROAD, SUITE 201 WESTLAKE, OH 44145 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $25K | $0 | $25K | 4.99% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT | 26451 CENTER RIDGE ROAD, SUITE 110 WEST LAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $0 | $39K | 12.00% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT | 26451 CENTER RIDGE ROAD, SUITE 110 WEST LAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| THE CHELKO CONSULTING GROUP3 | 24651 CENTER RIDGE ROAD, SUITE 110 WESTLAKE, OH 44145 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| THE CHELKO CONSULTING GROUP3 | 27500 DETROIT ROAD WESTLAKE, OH 44145 | ZURICH AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1660 WEST 2ND STREET, SUITE 650 CLEVELAND, OH 44113 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 2,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,668 | $1.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,667 | $508K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,271 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.