| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3296 COLUMBIA ROAD, SUITE 101 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 12.10% |
| GROUP BENEFITS SOLUTIONS3 Filed as: GROUP BENEFITS SOLUTIONS, INC. | 3296 COLUMBIA ROAD, SUITE 101 RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | — | — | $0 | 0.00% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3750 TIMBERLAKE RD RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.04% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3296 COLUMBIA ROAD, SUITE 101 RICHFIELD, OH 44286 | GUARDIAN | $13K | — | $13K | 25.00% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN CLVD. BEACHWOOD, OH 44122 | GUARDIAN | $362 | — | $362 | 0.72% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | 3750 TIMBERLAKE ROAD RICHFIELD, OH 44286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.85% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $804 | $804 | 3.05% |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 401 | $109K |
| Vision | HM LIFE INSURANCE COMPANY/DAVIS VISION | 4,006 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,444 | $176K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $105K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $26K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,444 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,006 | — |
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.