No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TERRY OTTO BENEFIT ADMINISTRATOR | Employee (plan) Service code 30 | 7440 BELLFLOWER ROAD MENTOR, OH 44060 | $50K |
| ASSURED PARTNERS BENEFITS CONSULTING | Consulting (general) Service code 16 | 3900 KINROSS LAKES PKWY 800-860-0090 RICHFIELD, OH 44286 | $44K |
| GOLDSTEIN GRAGEL LLC EIN 26-3575398 LEGAL | Legal Service code 29 | 526 SUPERIOR AVE STE 1040 CLEVELAND, OH 44114 | $24K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 AUDITOR | Accounting (including auditing) Service code 10 | 23775 COMMERCE PARK BEACHWOOD, OH 44122 | $13K |
| LEGACY PROFESSIONALS ACCOUNTING | Accounting (including auditing) Service code 10 | 4 WESTBROOK CORP CTR WESTCHESTER, IL 60154 | $6K |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 267 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 267 | $44K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 267 | $44K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 267 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.