| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK RD BEACHWOOD, OH 44122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $24K | — | $24K | 2.92% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES, AN ALERA GROUP AGE | 23825 COMMERCE PARK RD BEACHWOOD, OH 44122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 1.52% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES INC | 23825 COMMERCE PARK RD BEACHWOOD, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $638 | $638 | 1.36% |
| GCG FINANCIAL LLC3 Filed as: TODD ASSOCIATES, AN ALERA GROUP AGE | 23825 COMMERCE PARK RD BEACHWOOD, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | $556 | — | $556 | 1.19% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 135 | $827K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 135 | $827K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 135 | $827K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $47K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $47K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $47K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 135 | $827K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.