| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $10K | $6K | $16K | 14.65% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NAIONAL LIFE INSURANCE COMPANY | $9K | $695 | $9K | 16.20% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NAIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $4K | $334 | $5K | 16.18% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $0 | $1K | $1K | 4.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $232 | $3K | 15.73% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $686 | $686 | 4.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | MEDICAL MUTUAL OF OHIO | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-1922587 | Claims processing Service code 12 | 2060 E. 9TH STREET CLEVELAND, OH 44115 | $81K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 165 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 130 | $106K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 130 | $106K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NAIONAL LIFE INSURANCE COMPANY | 203 | $86K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $17K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 165 | $0 |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 165 | $0 |
| Other | THE LINCOLN NAIONAL LIFE INSURANCE COMPANY | 154 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.