| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 36711 AMERICAN WAY, STE 2F AVON, OH 44011 | COMMUNITY INSURANCE COMPANY | $44K | — | $44K | 2.14% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19K | $10K | $29K | 1.44% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | COMMUNITY INSURANCE COMPANY | $10K | $2K | $12K | 0.58% |
| ERC SERVICES INC3 | 6700 BETA DR STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY | $891 | — | $891 | 0.04% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $790 | $4K | 12.86% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $527 | $3K | 17.94% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $268 | $2K | 17.78% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $274 | $2K | 17.91% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $428 | — | $428 | 6.60% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | $155 | $964 | 17.88% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $721 | $143 | $864 | 17.97% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $28K |
| Vision | VISION SERVICE PLAN | 77 | $6K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $28K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $10K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.