| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | HUMANA INSURANCE COMPANY | $976 | — | $976 | 2.11% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $2K | — | $2K | 10.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $1K | — | $1K | 4.91% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $761 | $761 | 3.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $370 | $370 | 1.64% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $2K | — | $2K | 10.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $963 | — | $963 | 4.81% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $679 | $679 | 3.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $321 | $321 | 1.60% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64104 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $806 | — | $806 | 5.02% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $534 | $534 | 3.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $269 | $269 | 1.67% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $418 | — | $418 | 5.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $204 | — | $204 | 2.60% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $424 | — | $424 | 10.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64104 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $207 | — | $207 | 4.92% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $141 | $141 | 3.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | — | $69 | $69 | 1.64% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $265 | — | $265 | 6.84% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | $193 | — | $193 | 4.98% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 82 | $46K |
| Vision | HUMANA INSURANCE COMPANY | 82 | $46K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | 125 | $27K |
| Short-term disability | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | 44 | $20K |
| Long-term disability | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | 125 | $16K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 104 | $15K |
| Other(4 contracts) | THE LINCOLN NATIONAL FINANCIAL INSURANCE COMPANY | 125 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.