| 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 | $92K | $21K | $114K | 5.39% |
| EMPLOYERS SELECT PLAN AGENCY INC3 | 6450 ROCKSIDE WOODS BLVD S STE 290 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | — | $4 | $4 | 0.00% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | DELTA DENTAL OF OHIO | $7K | — | $7K | 6.19% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $752 | $7K | 16.76% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.63% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $994 | $7K | 17.64% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $478 | $3K | 17.48% |
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 | 290 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 245 | $2.1M |
| Dental | DELTA DENTAL OF OHIO | 392 | $115K |
| Vision | VISION SERVICE PLAN | 194 | $22K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $57K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $39K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.