| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC. | 23825 COMMERCE PARK ROAD, STE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $54K | $41K | $95K | 3.52% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 23825 COMMERCE PARK ROAD SUITE A BEACHWOOD, OH 44122 | GUARDIAN | $7K | — | $7K | 4.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | GUARDIAN | — | $6K | $6K | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1111 SUPERIOR AVENUE EAST STE. 1601 CLEVELAND, OH 441142522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $533 | $2K | 18.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS ADMINISTRATORS, INC. EIN 25-1352803 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $52K |
| MALONEY & NOVOTNY LLC EIN 34-0677006 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| SCHWARZWALD & MCNAIR EIN 34-1327628 NONE | Legal Service code 29 | — | $8K |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 268 | $2.7M |
| Dental | GUARDIAN | 254 | $178K |
| Vision(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 277 | $2.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $9K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 268 | $2.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.