| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | UNITED HEALTHCARE INSURANCE COMPANY | — | $76K | $76K | 2.50% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | UNITED HEALTHCARE INSURANCE COMPANY | — | $23 | $23 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTING | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | DELTA DENTAL OF OHIO | $4K | — | $4K | 2.03% |
| NATIONAL HEALTHCARE ACCESS3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 11.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 7.01% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.04% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 22.25% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 14.18% |
| NATIONAL HEALTHCARE ACCESS3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | VISION SERVICE PLAN | $819 | — | $819 | 2.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | VISION SERVICE PLAN | $124 | — | $124 | 0.37% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.10% |
| NATIONAL HEALTHCARE ACCESS3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $94 | $94 | 14.97% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40 | — | $40 | 11.02% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23 | $23 | 6.34% |
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 | 465 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 351 | $3.0M |
| Dental | DELTA DENTAL OF OHIO | 568 | $220K |
| Vision | VISION SERVICE PLAN | 217 | $34K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 296 | $116K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 326 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.