| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 3242 NAPA BLVD AVON, OH 44011 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $35K | $818 | $35K | 2.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $2K | $18K | $19K | 1.30% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 6700 BETA DR STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 0.10% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $6K | $11K | 10.94% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $664 | $4K | 16.22% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $554 | $2K | 12.92% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $435 | $3K | 17.83% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $155 | $1K | 11.47% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | 110 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $104K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $23K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.