| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $9K | $18K | $27K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $26K | $1K | $27K | 2.78% |
| ERC SERVICES INC3 Filed as: ERC SERVICES | 387 GOLF VIEW LANE HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 8.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60460 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | POST OFFICE BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 4.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.59% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $214 | — | $214 | 0.18% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 167 | $964K |
| Dental | STANDARD INSURANCE COMPANY | 150 | $122K |
| Vision | STANDARD INSURANCE COMPANY | 150 | $122K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $122K |
| Short-term disability | STANDARD INSURANCE COMPANY | 150 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.