See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.