| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK ROAD, STE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $53K | $15 | $53K | 1.84% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC. | 23825 COMMERCE PARK ROAD, STE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $19K | $11K | $30K | 1.05% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 23825 COMMERCE PARK ROAD SUITE A BEACHWOOD, OH 44122 | GUARDIAN | $6K | — | $6K | 4.00% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 2285 COMMERCE PARK BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $1K | $434 | $2K | 14.54% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK ROAD, STE A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $461 | $154 | $615 | 5.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS ADMINISTRATORS, INC. EIN 25-1352803 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $53K |
| MALONEY & NOVOTNY LLC EIN 34-0677006 NONE | Accounting (including auditing) Service code 10 | — | $16K |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 216 | $2.9M |
| Dental | GUARDIAN | 215 | $160K |
| Vision | MEDICAL MUTUAL OF OHIO | 216 | $2.9M |
| Life insurance | MEDICAL MUTUAL OF OHIO | 205 | $12K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 216 | $2.9M |
| Other | MEDICAL MUTUAL OF OHIO | 205 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
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.