| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES3 | PO BOX 5700 CLEVELAND, OH 44101 | U.S. FIRE INSURANCE | $52K | $7K | $60K | 43.55% |
| ERMLICH INSURANCE3 | 844 S. SAWBURG AVE ALLIANCE, OH 44601 | U.S. FIRE INSURANCE | $15K | $10K | $25K | 17.98% |
| AA HAMERMITH INS INC3 | 210 ERIE STREET N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| AA HAMMERSMITH INS INC3 Filed as: A.A. HAMMERSMITH INSURANCE INC | 210 ERIE STREET NORTH MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE STREET N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AA HAMMERSMITH INS INC3 Filed as: A.A. HAMMERSMITH INSURANCE INC | 210 ERIE STREET NORTH MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.31% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $563 | $3 | $566 | 4.25% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | 210 ERIE STREET N MASSILLON, OH 44646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | — | $544 | 4.08% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY M LLOYD INC | 1205 LOUISIANA AVE SUITE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.51% |
| AA HAMMERSMITH INS INC3 Filed as: A.A. HAMMERSMITH INSURANCE INC | 210 ERIE STREET NORTH MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $458 | — | $458 | 10.00% |
| MUTUAL HEALTH SERVICES3 | PO BOX 5700 CLEVELAND, OH 44101 | HCC LIFE | $7K | $52K | $60K | — |
| ERMLICH INSURANCE3 | 844 S. SAWBURG AVENUE ALLIANCE, OH 44601 | HCC LIFE | $15K | $10K | $25K | — |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $15K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $21K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | U.S. FIRE INSURANCE | 100 | $137K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.