| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | COMMUNITY INSURANCE COMPANY | $35K | $2K | $37K | 2.35% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.25% |
| ADP INC3 Filed as: ADP INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 22901 MILLCREEK BLVD STE 160 HIGHLAND HILLS, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.65% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 18.78% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.16% |
No Schedule C service providers reported on this filing.
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 210 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $62K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $114K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $114K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $114K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.