| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CAPARSO3 | 3900 KINROSS LAKES PARKWAY STE 300 RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | $5K | — | $5K | 2.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.00% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7341 EISENHOWER DRIVE STE B YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $219 | — | $219 | 11.02% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $99 | $99 | 4.98% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 590 | $223K |
| Vision | VISION SERVICE PLAN | 356 | $67K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $104K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.