| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $4K | $4K | 0.88% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.39% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 7.30% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 12.15% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.76% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $934 | $6K | 21.09% |
| REDTAIL LTD3 | 9999 BREWSTER PLACE SUITE 100 POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $369 | $3K | 11.50% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 251 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $25K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $74K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $48K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 215 | $427K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.