| 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 | $0 | $3K | 6.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.58% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $723 | $8K | 22.05% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 23.14% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.40% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $888 | $888 | 4.57% |
| AA HAMMERSMITH INS INC3 | 210 ERIE ST N MASSILLON, OH 44646 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $186 | $3K | 14.20% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVE #441 PERRYSBURG, OH 43552 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.75% |
| AA HAMMERSMITH INS INC3 Filed as: AA HAMMERSMITH INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 33.04% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $35K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.