| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT | 24651 CENTER RIDGE ROAD SUITE 110 WEST LAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.22% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 | 24651 CENTER RIDGE ROAD SUITE 110 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $945 | — | $945 | 1.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $322 | — | $322 | 0.39% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC | 24651 CENTER RIDGE ROAD SUITE 110 WESTLAKE, OH 44145 | VISION SERVICE PLAN | $1K | — | $1K | 3.46% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $656 | — | $656 | 1.88% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC | 24651 CENTER RIDGE ROAD SUITE 110 WESTLAKE, OH 44145 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.56% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.29% |
| LIFETIME FINANCIAL GROWTH OF COLUMB3 Filed as: LIFETIME FINANCIAL GROWTH OF N OHIO | 8425 PULSAR PT SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.16% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT | 24651 CENTER RIDGE ROAD SUITE 110 WEST LAKE, OH 44145 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.22% |
| CENTER FOR BENEFITS MANAGEMENT, INC3 Filed as: CENTER FOR BENEFITS MANAGEMENT INC | 2461 CENTER RIDGE ROAD SUITE 110 WESTLAKE, OH 44145 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113 | — | $113 | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEWCOMB AND BOYD EIN 16-1264154 CLAIMS MANAGEMENT | Plan Administrator; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $243K |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 292 | $15K |
| Vision | VISION SERVICE PLAN | 274 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $102K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $11K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $83K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $790K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.