No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCAL 44 FRINGE BENEFITS EIN 82-3550726 ADMINISTRATOR | Contract Administrator Service code 13 | — | $128K |
| ASSURED PARTNERS | Consulting (general) Service code 16 | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44286 | $49K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 | Accounting (including auditing) Service code 10 | — | $14K |
| POFOK CRAMPTON LLC | Legal Service code 29 | 1468 WEST NINTH STREET, SUITE 720 CLEVELAND, OH 44113 | $13K |
| K. PAKELTIS & COMPANY | Accounting (including auditing) Service code 10 | 1360 WEST NINTH STREET, SUITE 320 CLEVELAND, OH 44113 | $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 | 65 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 246 | $54K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 246 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.