| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $35K | $0 | $35K | 2.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $24K | $24K | 1.77% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 3242 NAPA BOULEVARD AVON, OH 44011 | COMMUNITY INSURANCE COMPANY | $3K | $0 | $3K | 0.23% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.11% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | UNKNOWN CUYAHOGA FALLS, OH 44223 | TRUASSURE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN, INC. | 2307 EAST AURORA ROAD, SUITE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $801 | $2K | 8.89% |
| USI INSURANCE SERVICES LLC3 | 2307 EAST AURORA ROAD, SUITE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.14% |
| USI INSURANCE SERVICES LLC3 | 2307 EAST AURORA ROAD, SUITE B-13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $841 | $0 | $841 | 5.89% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN, INC. | 2307 EAST AURORA ROAD, SUITE B-13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $587 | $0 | $587 | 4.11% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 227 | $1.4M |
| Dental | TRUASSURE INSURANCE COMPANY | 262 | $68K |
| Vision | VISION SERVICE PLAN | 123 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $28K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 227 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.
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.