| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS S FARRO3 Filed as: THOMAS S. FARRO, INC. | 4000 EMBASSY PARKWAY SUITE 420 AKRON, OH 44333 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 6.70% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.29% |
| NATIONAL UNITED BROKERS3 Filed as: NATIONAL UNITED BROKERS, INC. | 4151 EXECUTIVE PARKWAY SUITE 210 WESTERVILLE, OH 43081 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 8.68% |
| THOMAS S FARRO3 | 291 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.16% |
| THOMAS S FARRO3 Filed as: THOMAS FARRO | 291 NORTH CLEVE MASS ROAD SUITE 100 AKRON, OH 44333 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.56% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD, CO. | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $493 | $0 | $493 | 0.84% |
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 | 817 | 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) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,206 | $313K |
| Vision | VISION SERVICE PLAN | 488 | $59K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 656 | $192K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 656 | $192K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 656 | $192K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 656 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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.