| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 44101 | AMERICAN NATIONAL C/O BARDON INSURANCE | $11K | $57K | $68K | 32.80% |
| ERMLICH INSURANCE3 | 210 ERIE ST N MASSILLON, OH 44646 | AMERICAN NATIONAL C/O BARDON INSURANCE | $21K | — | $21K | 10.23% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $432 | $0 | $432 | 13.94% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $46K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $16K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL C/O BARDON INSURANCE | 100 | $209K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.