| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 6830 COCHRAN RD SALON, OH 44139 | MEDICAL MUTUAL | $31K | $8 | $31K | 3.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | OSWALD CENTRE, 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL | $17K | $2 | $17K | 1.68% |
| FOREST S STARR3 | 2228 CHAPEL ROAD JEFFERSON, OH 44047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 3.04% |
| MERCEDES NOBLE REYES3 | 4484 W. 170TH ST. CLEVELAND, OH 44134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 2.77% |
| CRP BENEFIT SERVICES INC3 Filed as: CRP BENEFIT SERVICES INC. | 6000 LOMBARDO CENTER SUITE 145 SEVEN HILLS, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 1.22% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC. | 6830 COCHRAN SOLON, OH 44139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 1.14% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS. AGENCY | 9150 SOUTH HILLS BLVD #250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.70% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY INC. | 9150 SOUTH HILLS BLVD SUITE 250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.23% |
| ROBERTA DICKINSON3 | 11566 HARBOUR LIGHT DR NORTH ROYALTON, OH 44133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.14% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 146 | $1.0M |
| Dental | MEDICAL MUTUAL | 146 | $1.0M |
| Vision(2 contracts, 2 carriers) | MEDICAL MUTUAL | 146 | $1.0M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 53 | $5K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 53 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.