| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 10.46% |
| NATIONAL UNITED BROKERS3 Filed as: NATIONAL UNITED BROKERS INC | 4151 EXECUTIVE PARKWAY, SUITE 210 WESTERVILLE, OH 43081 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.09% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 9.89% |
| THOMAS S FARRO3 Filed as: THOMAS S FARRO INC | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 8.23% |
| THOMAS S FARRO3 Filed as: THOMAS S. FARRO | 4000 EMBASSY PARKWAY SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 9.97% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.91% |
| THOMAS S FARRO3 Filed as: THOMAS S. FARRO | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.88% |
| THOMAS S FARRO3 Filed as: THOMAS S. FARROW | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 9.88% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $596 | $596 | 9.75% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 20.83% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3 | $3 | 12.50% |
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 | 829 | 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) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,093 | $282K |
| Life insurance(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $234K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $189K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $121K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.