| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 94648 CLEVELAND, OH 44101 | ACCURISK SOLUTIONS | — | $53K | $53K | 28.23% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | ACCURISK SOLUTIONS | $41K | — | $41K | 21.80% |
| TELADOC0 | — | ACCURISK SOLUTIONS | — | $778 | $778 | 0.42% |
| DMC BENEFITS INC3 | 1485 PRICE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.53% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $886 | — | $886 | 10.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 EAST 9TH ST STE 1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $773 | — | $773 | 9.86% |
| DMC BENEFITS INC3 | 1485 PRICE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $392 | $392 | 5.00% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $29K |
| Prescription drug | CVS HEALTH | 0 | $0 |
| Stop-loss / reinsurancereinsurance | ACCURISK SOLUTIONS | 95 | $186K |
| Other | HCC LIFE INSURANCE COMPANY | 95 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.