| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | AETNA LIFE INSURANCE COMPANY | $31K | — | $31K | 9.95% |
| NATIONAL UNITED BROKERS3 Filed as: NATIONAL UNITED BROKERS INC | 4151 EXECUTIVE PARKWAY, SUITE 210 WESTERVILLE, OH 43081 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.99% |
| THOMAS S FARRO3 Filed as: THOMAS S. FARRO | 4000 EMBASSY PARKWAY SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.24% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.92% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.91% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.60% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.77% |
| THOMAS S FARRO3 Filed as: THOMAS FARRO | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | VISION SERVICE PLAN | $2K | — | $2K | 3.54% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.66% |
| THOMAS S FARRO3 Filed as: THOMAS S. FARROW | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | 6.31% |
| THOMAS S FARRO3 | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 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 | — | $1K | $1K | 8.34% |
| 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 | — | $421 | $421 | 7.05% |
| THOMAS S FARRO3 Filed as: THOMAS S FARRO INC | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29 | — | $29 | 19.86% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8 | $8 | 5.48% |
| THOMAS S FARRO3 Filed as: THOMAS S. FARRO | 4000 EMBASSY PARKWAY, SUITE 420 AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $421 | $421 | — |
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 | 856 | 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) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,153 | $307K |
| Vision | VISION SERVICE PLAN | 465 | $55K |
| Life insurance(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 633 | $159K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $71K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 633 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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.