| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 3242 NAPA BLVD AVON, OH 44011 | COMMUNITY INSURANCE COMPANY | $40K | $3K | $43K | 1.94% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $24K | $24K | 1.09% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE HIGHLAND HTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.08% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.57% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.56% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 15.42% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $958 | — | $958 | 2.54% |
| 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 | $628 | $3K | 15.24% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $575 | — | $575 | 2.58% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $598 | $3K | 15.45% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $509 | — | $509 | 2.56% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $803 | — | $803 | 6.40% |
| USI INSURANCE SERVICES LLC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $38 | — | $38 | 0.30% |
| 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 | $341 | $2K | 15.47% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $287 | — | $287 | 2.55% |
| 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 | $304 | $2K | 15.47% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255 | — | $255 | 2.46% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $661 | — | $661 | 42.54% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STE 3800 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $47 | $242 | 15.57% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 276 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $59K |
| Vision | VISION SERVICE PLAN | 81 | $13K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $63K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $22K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.