| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 94648 CLEVELAND, OH 44101 | ACCURISK SOLUTIONS | — | $59K | $59K | 25.83% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | ACCURISK SOLUTIONS | $46K | — | $46K | 20.09% |
| TELADOC0 | — | ACCURISK SOLUTIONS | — | $809 | $809 | 0.36% |
| DMC BENEFITS INC3 | 1485 PRICE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 EAST 9TH ST STE 1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.76% |
| RISK STRATEGIES COMPANY Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| DMC BENEFITS INC3 | 1485 PRICE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 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 | $864 | — | $864 | 10.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $686 | — | $686 | 8.18% |
| DMC BENEFITS INC3 | 1485 PRICE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $419 | $419 | 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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $82K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $32K |
| Stop-loss / reinsurancereinsurance | ACCURISK SOLUTIONS | 100 | $227K |
| Other | HCC LIFE INSURANCE COMPANY | 100 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.