| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E. AURORA ROAD, B-13 TWINSBURG, OH 44087 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 4.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | 1375 EAST 9TH ST, 30TH FLOOR CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.40% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E. AURORA ROAD, B-13 TWINSBURG, OH 44087 | MEDICAL MUTUAL OF OHIO | — | $35K | $35K | 12.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER & ASSOCIATES | 1375 EAST 9TH ST, 30TH FLOOR CLEVELAND, OH 44087 | ALLSTATE | $3K | — | $3K | 8.54% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E. AURORA ROAD, B-13 TWINSBURG, OH 44087 | ALLSTATE | $951 | — | $951 | 2.68% |
| ROBERT A. PREVITE3 | 8151 E. INDIAN BEND, STE 105 A SCOTTSDALE, AZ 85250 | ALLSTATE | $172 | — | $172 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261039 | $28K |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE | 62 | $35K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $349K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $349K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $349K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $349K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $349K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 226 | $290K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.