| 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 | $22K | — | $22K | 1.80% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $7K | $8K | $14K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET STE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY | $5K | $3K | $8K | 0.63% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| ERC SERVICES INC3 | 6700 BETA DR STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY | $587 | — | $587 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 10.70% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $285 | $285 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 775 YARD ST STE 200 COLUMBUS, OH 43212 | VISION SERVICE PLAN | $997 | — | $997 | 5.87% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 99 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $225K |
| Vision | VISION SERVICE PLAN | 97 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $225K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $225K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $225K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.