| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E. SUITE 1500 CLEVELAND, OH 44114 | AETNA HEALTH INC. | — | $5K | $5K | 0.70% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.73% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E. SUITE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.29% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.05% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E. SUITE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 4.78% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | EYEMED VISION CARE | $433 | — | $433 | 5.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E. SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $391 | — | $391 | 4.53% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 70 | $336K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $69K |
| Vision | EYEMED VISION CARE | 138 | $9K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 148 | $34K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 148 | $34K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 148 | $34K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 148 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
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.