| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CHELKO CONSULTING GROUP3 | 24651 CENTER RIDGE RD STE 110 WESTLAKE, OH 44145 | U.S. FIRE INSURNANCE | $28K | — | $28K | 10.00% |
| THE CHELKO CONSULTING GROUP3 Filed as: THE CHELKO CONSULTATION GROUP | 25760 FIRST STREET WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.00% |
| LIFETIME FINANCIAL GROWTH3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $626 | — | $626 | 0.51% |
| THE CHELKO CONSULTING GROUP3 | SUITE 110 24651 CENTER RIDGE ROAD WESTLAKE, OH 44145 | HARTFORD LIFE AND ACCIDENT | $879 | — | $879 | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $712 | $712 | 16.20% |
| THE CHELKO CONSULTING GROUP3 | SUITE 110 24651 CENTER RIDGE RD WESTLAKE, OH 44145 | HARTFORD LIFE AND ACCIDENT | $841 | — | $841 | 20.01% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER AND ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $679 | $679 | 16.16% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.