| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $34K | $34K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.14% |
| RC SERVICES3 | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $3K | $26K | 9.98% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK | 4555 LAKE FORREST DRIVE SUITE 510 CINCINNATI, OH 45242 | FIDELITY SECURITY | $2K | — | $2K | 10.00% |
| INSURANCE ASSOICATES PLUS3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY | $724 | — | $724 | 4.34% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 318 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $258K |
| Vision | FIDELITY SECURITY | 367 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $258K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $258K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.