| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E #1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $1K | $3K | $4K | 0.17% |
| THE JAMES B OSWALD COMPANY | — | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E #1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 9.10% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS STE 10 BEREA, OH 44017 | PRUDENTIAL | $2K | — | $2K | 6.80% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES | 1218 WEBSTER ST. HOUSTON, TX 77002 | PRUDENTIAL | $870 | — | $870 | 3.20% |
| FITZGIBBONS ARNOLD & CO AGENCY | PO BOX 45520 CLEVELAND, OH 44145 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| THE JAMES B OSWALD COMPANY | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMNITY INSURANCE COMPANY | $290 | — | $290 | 1.59% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 100.00% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 6650 DAYTON, OK 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.81% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH, THOMAS CHRISTOPHER | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $24 | $3K | 100.76% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 9.28% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 310 | $2.4M |
| Dental | COMMUNITY INSURANCE COMPANY | 157 | $78K |
| Vision | COMMNITY INSURANCE COMPANY | 316 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 148 | $57K |
| Long-term disability | PRUDENTIAL | 177 | $27K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.