| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT PARTNR | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 7.33% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.67% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT PARTNR | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.80% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.20% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT PARTNR | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 14.72% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.28% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT PARTNR | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT PARTNR | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.33% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $388 | — | $388 | 2.67% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT PARTNR | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | — | $441 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMN ASO, LLC EIN 41-1852523 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $24K |
| DIGITAL INSURANCE, INC. AGENT/AGENCY | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | $12K |
| PREFERREDONE ADMINISTRATIVE SERVICE EIN 41-1846481 RECORDKEEPER | Claims processing Service code 12 | — | $0 |
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 | 532 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $158K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $64K |
| Other(3 contracts, 2 carriers) | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | 514 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.