| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: BENEFITS NETWORK INSRUANCE AGENCY | 4555 LAKE FOREST DR. SUITE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $56K | $207 | $56K | 3.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY THE | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $31K | $7 | $31K | 1.84% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR., STE. 510 CINCINNATI, OH 45242 | SUPERIOR DENTAL CARE, INC. | $4K | — | $4K | 5.15% |
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR., STE. 510 CINCINNATI, OH 452423732 | VISION SERVICE PLAN | $1K | — | $1K | 5.24% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 271 | $1.7M |
| Dental | SUPERIOR DENTAL CARE, INC. | 361 | $83K |
| Vision | VISION SERVICE PLAN | 143 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.