| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN, INC. | 2307 EAST AURORA TWINSBURG, OH 44087 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 2.40% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | CONSUMERS LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.36% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD #B-13 TWINSBURG, OH 44087 | CONSUMERS LIFE INSURANCE COMPANY | $1K | $529 | $2K | 5.39% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 6.32% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN, INC. | 2307 E. AURORA RD., SUITE B-13 TWINSBURG, OH 44087 | STARMOUNT LIFE INSURANCE COMPANY | $988 | — | $988 | 4.71% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $519 | $61 | $580 | 9.41% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E. AURORA RD. STE B13 TWINSBURG, OH 44087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | $27 | $412 | 6.68% |
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 | 105 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 193 | $126K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 134 | $21K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 105 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $6K |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 105 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.