| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS5 Filed as: RX BENEFITS, INC. | 3700 COLONNADE PARKWAY BIRMINGHAN, AL 35243 | RX BENEFITS | $0 | $2K | $2K | 0.78% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | COMPANION LIFE | $25K | — | $25K | 10.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIASTAR | $26K | — | $26K | 17.17% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | DELTA DENTAL | $492 | — | $492 | 0.78% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | DELTA DENTAL | $2K | — | $2K | 9.27% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 CORPORATE PARK BEACHWOOD, OH 44122 | UNITED HEALTHCARE | $2K | — | $2K | 10.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 277 | $63K |
| Vision | DELTA DENTAL | 244 | $19K |
| Life insurance | RELIASTAR | 220 | $149K |
| Long-term disability | RELIASTAR | 220 | $149K |
| Prescription drug | RX BENEFITS | 152 | $262K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 152 | $252K |
| Other(2 contracts, 2 carriers) | RELIASTAR | 254 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.