| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD, STE B-13 TWINSBURG, OH 44087 | COMMUNITY INSURANCE COMPANY | $88K | $2K | $89K | 2.84% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $67K | $1K | $68K | 2.18% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 0.14% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 440871952 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 5.93% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 440871952 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 15.79% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.75% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 440871952 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.79% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $763 | — | $763 | 1.73% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 440871952 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.84% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $159 | — | $159 | 1.86% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 360 | $3.1M |
| Dental | STANDARD INSURANCE COMPANY | 313 | $202K |
| Vision | COMMUNITY INSURANCE COMPANY | 360 | $3.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 425 | $173K |
| Short-term disability | STANDARD INSURANCE COMPANY | 425 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 30 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
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.