| 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 | $78K | — | $78K | 2.27% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $25K | $33K | $58K | 1.67% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD, STE B-13 TWINSBURG, OH 44087 | COMMUNITY INSURANCE COMPANY | $15K | $6K | $21K | 0.60% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $12K | — | $12K | 0.36% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $802 | — | $802 | 0.02% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $15K | $26K | 12.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.84% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 15.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.40% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 15.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $166 | — | $166 | 0.35% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | $220 | $1K | 15.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 2.51% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD, STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | $177 | $983 | 15.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $148 | — | $148 | 2.33% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,299 | $3.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 360 | $211K |
| Vision | COMMUNITY INSURANCE COMPANY | 1,299 | $3.5M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 446 | $192K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 446 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $7K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 446 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,299 | — |
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.