| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.20% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.50% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | 210 ERIE ST N PO BOX 591 MASSILLON, OH 44646 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.50% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST. N MASSILLON, OH 44646 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 1205 LOUISIANA AVE STE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 6.05% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | 210 ERIE ST N MASSILLION, OH 44646 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $667 | $0 | $667 | 2.99% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $589 | $0 | $589 | 2.64% |
| TATE ALLEN JESKY3 | 8169 HUNTING CT GEORGETOWN, MI 49428 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $116 | $61 | $177 | 0.79% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 315 GREEN RIDGE RD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $28 | $0 | $28 | 0.13% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVENUE #441 PERRYSBURG, OH 43552 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.70% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.13% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $786 | $786 | 5.50% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $42K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $44K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $23K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 242 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.