| 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 | $7K | $3K | $9K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | DELTA DENTAL OF OHIO | $2K | — | $2K | 5.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $334 | — | $334 | 0.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $1K | $1K | $3K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.73% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 143 | $267K |
| Dental | DELTA DENTAL OF OHIO | 152 | $38K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 120 | $28K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 120 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.