| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCMANAMON FINANCIAL SERVICES, INC. | 1468 W. NINTH ST SUITE 805 CLEVELAND, OH 44113 | UNION LABOR LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNION LABOR LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 NONE | Claims processing; Direct payment from the plan Service code 12 | 220 VIRGINIA AVE INDIANAPOLIS, IN 46204 | $423K |
| BENESYS, INC. EIN 34-1787882 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 3660 STUTZ DR, LL 101 CANFIELD, OH 44406 | $69K |
| POTTS-DUPRE, HAWKINS, AND KRAMER EIN 52-1660807 NONE | Legal; Direct payment from the plan Service code 29 | 900 7TH ST NW 1020 WASHINGTON, DC 20001 | $64K |
| FIFTH THIRD BANK RETIREMENT SERVICE EIN 31-1051736 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 1 SOUTH MAIN STREET DAYTON, OH 45403 | $29K |
| WARREN T. SMITH ASSISTANT ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $20K |
| BODINE PERRY EIN 83-3033790 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3711 STARRS CENTRE DR CANFIELD, OH 44406 | $20K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N MERIDAN ST 610 CARMEL, IN 460324529 | $11K |
| ARTHUR J GALLAGHER RISK MGT SERV EIN 36-2102482 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 201 E 4TH ST, SUITE 625 CINCINNATI, OH 45202 | $9K |
| MACALA & PIATT, LLC NONE | Legal; Direct payment from the plan Service code 29 | 601 S MAIN ST 330-493-1570 NORTH CANTON, OH 44720 | $6K |
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 | 864 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 701 | $195K |
| Vision | EYEMED VISION CARE | 1,784 | $34K |
| Prescription drug | SAV-RX PRESCRIPTION SERVICES | 1,842 | $0 |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO. | 864 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,842 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.