| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | MEDICAL MUTUAL | $64K | $5 | $64K | 2.67% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD #B-13 TWINSBURG, OH 44087 | MEDICAL MUTUAL | $21K | $3K | $25K | 1.03% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.17% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | DELTA DENTAL OF OHIO | $3K | — | $3K | 2.02% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.30% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.50% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.28% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.55% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.31% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 6.52% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | VISION SERVICE PLAN | $690 | — | $690 | 2.78% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | VISION SERVICE PLAN | $563 | — | $563 | 2.26% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.18% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B-13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $865 | $578 | $1K | 6.38% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 | 260 | $2.4M |
| Dental | DELTA DENTAL OF OHIO | 424 | $128K |
| Vision | VISION SERVICE PLAN | 207 | $25K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $42K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.