| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 10.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD STE 500 DEERFIELD, IL 60015 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 4.42% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36 | $0 | $36 | 0.01% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $29K | $7K | $37K | — |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 289 | $0 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $250K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $250K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $250K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $250K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 289 | $0 |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 289 | $0 |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.