| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD 300 CLEVELAND, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $39K | — | $39K | 3.94% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD 300 CLEVELAND, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $19K | — | $19K | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHAEL D. BAUER EIN 34-1133688 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $134K |
| RAE L BORDERS EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $82K |
| ANGELA PLONA EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $79K |
| LITTLER & MENDELSON EIN 94-2602731 LEGAL | Legal Service code 29 | 1100 SUPERIOR AVE, 21 FL CLEVELAND, OH 44114 | $76K |
| PRESTON D MOSS EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $70K |
| JL ASSOCIATES, INC. EIN 34-1776903 AUDITOR | Accounting (including auditing) Service code 10 | 23775 COMMERCE PARK STE 1 BEACHWOOD, OH 44122 | $55K |
| BRENDA JACKSON EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $55K |
| RENEE A JOHNSON EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $46K |
| VICKI JOHNSON EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $46K |
| LEOTA CROSBY SMITH EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $45K |
| STEPHANIE M BRITTON EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $44K |
| ANN CADE EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $40K |
| LESLIE DAVIS EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $36K |
| THE HUNTINGTON TRUST INVESTMENT ADVISOR | Investment management Service code 28 | 220 MARKET AVENUE CANTON, OH 44702 | $22K |
| MALVINA P SUMMERS EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $20K |
| BEN SCHECTER CONSULTANTS INC. EIN 34-1753146 CONSULTANT | Consulting (general) Service code 16 | 4010 HEMLOCK CIRCLE CLEVELAND, OH 44114 | $17K |
| DEOLORES O STEPHENS EIN 34-1133688 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $12K |
| LEROY A. ELMORE EIN 34-1776903 EMPLOYEE | Employee (plan) Service code 30 | 1603 EAST 27TH STREET CLEVELAND, OH 44114 | $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 | 24,206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 12,577 | $983K |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 12,577 | $983K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,577 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.