| 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 | $20K | $20K | 1.41% |
| ERIC SERVICES, INC.3 | 387 GOLF VIEW LANE HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $9K | — | $9K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | FIDELITY SECURITY | $1K | — | $1K | 10.00% |
| INSURANCE ASSOICATES PLUS3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY | $962 | — | $962 | 7.26% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 243 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $171K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 243 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $171K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $171K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.