| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | MEDICAL MUTUAL OF OHIO PPO | $37K | $8K | $45K | 5.58% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | SUPERIOR DENTAL CARE, INC. | $2K | — | $2K | 7.76% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $526 | $3K | 18.46% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $270 | $2K | 17.16% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN INC | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | HM LIFE INSURANCE COMPANY | $734 | — | $734 | 10.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO PPO | 102 | $808K |
| Dental | SUPERIOR DENTAL CARE, INC. | 107 | $30K |
| Vision | HM LIFE INSURANCE COMPANY | 73 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.