| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK A BEACHWOOD, OH 44122 | HUMANA HEALTH PLAN, INC. | $26K | $141 | $26K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST WI | 400 N EXECUTIVE DRIVE STE 300 BROOKFIELD, WI 53005 | HUMANA HEALTH PLAN, INC. | $8K | $367 | $8K | 0.70% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 12.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.58% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.10% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK A BEACHWOOD, OH 44122 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 4.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST WI | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 1.72% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 93 | $1.2M |
| Dental | THE DENTAL CONCERN, INC. | 91 | $59K |
| Vision | THE DENTAL CONCERN, INC. | 91 | $59K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $129K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $129K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $129K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 93 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.