| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BOULEVARD SUITE 160 HIGHLAND HILLS, OH 44122 | MEDICAL MUTUAL OF OHIO | $62K | $26K | $88K | 4.24% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES AN ALERA GROUP AGEN | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 6.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 2.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA TODD ASSOCIATES | 22901 MILLCREEK BOULEVARD BEACHWOOD, OH 44122 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.44% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES AN ALERA GROUP AGEN | 22901 MILLCREEK BOULEVARD SUITE 160 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $324 | $4K | 11.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA TODD ASSOCIATES | 22901 MILLCREEK BOULEVARD SUITE 160 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $475 | $29 | $504 | 1.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.10% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES, AN ALEGRA GROUP AG | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | MANHATTANLIFE | $782 | — | $782 | 20.67% |
| THE MCCLAIN GROUP LLC3 Filed as: MCCLAIN GROUP LLC THE | PO BOX 882 CANONSBURG, PA 15317 | MANHATTANLIFE | $30 | — | $30 | 0.79% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 129 | $2.1M |
| Dental | HUMANA INSURANCE COMPANY | 174 | $87K |
| Vision | HUMANA INSURANCE COMPANY | 174 | $87K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 174 | $90K |
| Short-term disability | MANHATTANLIFE | 4 | $4K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $33K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 129 | $2.1M |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 174 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.