| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | ANTHEM BLUE CROSS BLUE SHIELD | $2K | — | $2K | 2.17% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.53% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 13.64% |
| NATIONAL BENEFITS PRO AGENCY3 | 1474 GRANDVIEW AVE COLUMBUS, OH 43212 | EYEMED VISION CARE | — | $4K | $4K | 15.49% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.85% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | ANTHEM BLUE CROSS BLUE SHIELD | $549 | — | $549 | 3.31% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | NATIONAL UNION | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST COLUMBUS, OH 43212 | AETNA HEALTH, INC. | $225 | $0 | $225 | 1.69% |
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 | 1,693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 516 | $8.1M |
| Dental(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 729 | $103K |
| Vision(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $90K |
| Life insurance(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,709 | $792K |
| Short-term disability(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $55K |
| Long-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,709 | $756K |
| Prescription drug(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 24 | $78K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 803 | $0 |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,709 | $806K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,709 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.