| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLING WATER FINANCIAL GROUP3 | 7055 ENGLE ROAD STE 1-101 CLEVELAND, OH 44130 | MEDICAL MUTUAL | $40K | — | $40K | 3.75% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD #B-13 TWINSBURG, OH 44087 | MEDICAL MUTUAL | $15K | — | $15K | 1.37% |
| FALLING WATER FINANCIAL GROUP3 | 7055 ENGLE RD STE 1-101 CLEVELAND, OH 44130 | DELTA DENTAL OF OHIO | $2K | — | $2K | 3.57% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | DELTA DENTAL OF OHIO | $982 | — | $982 | 2.09% |
| FALLING WATER FINANCIAL GROUP3 Filed as: FALLING WATER FINANCIAL GROUP INC | 7055 ENGLE RD STE 1-101 CLEVELAND, OH 44130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 7.14% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $329 | — | $329 | 1.51% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.25% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 145 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 188 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $11K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $22K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $11K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.