| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY | $31K | — | $31K | 2.58% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $20K | — | $20K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $4K | $26K | 12.44% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $985 | — | $985 | 5.92% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 199 SCOTT STREET BUFFALO, NY 14204 | VISION SERVICE PLAN | $832 | — | $832 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $234 | $2K | 14.49% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $647 | $19 | $666 | 4.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $143 | $1K | 13.66% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $47 | $420 | 4.09% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 104 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $209K |
| Vision | VISION SERVICE PLAN | 98 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $209K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $209K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $209K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.