| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD #B-13 TWINSBURG, OH 44087 | MEDICAL MUTUAL | $68K | $16K | $84K | 6.38% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $626 | $626 | 0.82% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | DELTA DENTAL OF OHIO | $4K | — | $4K | 6.05% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.42% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $71 | — | $71 | 0.27% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $839 | — | $839 | 6.71% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 180 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 283 | $71K |
| Vision | VISION SERVICE PLAN | 124 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $77K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $26K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $77K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.