| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.53% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.51% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST. N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| 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 | 12.49% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $942 | $197 | $1K | 5.34% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 4.99% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | 210 ERIE ST. N MASSILLON, OH 44646 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $810 | $0 | $810 | 3.80% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $421 | $0 | $421 | 1.97% |
| PATRICK JAMES MALAK3 | 8350 BYRON CENTER AVE SW BYRON CENTER, MI 49315 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $56 | $72 | $128 | 0.60% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $12 | $15 | $27 | 0.13% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $22 | $4 | $26 | 0.12% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $18 | $4 | $22 | 0.10% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 315 GREEN RIDGE RD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $18 | $0 | $18 | 0.08% |
| LAURIE GAIL ANDREWS3 | 2340 CAMBRIDGE DR SE GRAND RAPIDS, MI 49506 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $4 | $0 | $4 | 0.02% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST. N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.55% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVE #441 PERRYSBURG, OH 43552 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.68% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.21% |
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 | 272 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $33K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 272 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.