| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $68 | $3K | 6.33% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.76% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $747 | $747 | 2.25% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | PO BOX 591 MASSILLON, OH 44648 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.50% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INSURANCE INC | 210 ERIE STREET N MASSILLON, OH 44646 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $736 | $0 | $736 | 3.45% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $657 | $75 | $732 | 3.44% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $570 | $7 | $577 | 2.71% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $383 | $0 | $383 | 1.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $342 | $3 | $345 | 1.62% |
| THAD ANDERSON3 | 7220 TALLGRASS PARKWAY LINCOLN, NE 68521 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $37 | $67 | $104 | 0.49% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 3009 WILMINGTON RD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $18 | $0 | $18 | 0.08% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $17 | $0 | $17 | 0.08% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $9 | $0 | $9 | 0.04% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $6 | $1 | $7 | 0.03% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $68 | $1K | 7.38% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $910 | $910 | 5.04% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $498 | $498 | 2.76% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.55% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVE #441 PERRYSBURG, OH 43552 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $763 | $0 | $763 | 4.27% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $33K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 254 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.