| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 5450 FRANTZ ROAD DUBLIN, OH 43016 | DELTA DENTAL OF OHIO | $17K | $1K | $19K | 2.16% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $23K | $23K | $45K | 6.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $19K | $12K | $31K | 7.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 9755 PATUXENT WOODS DRIVE SUITE 200 COLUMBIA, MD 21046 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 15.00% |
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 | 1,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,817 | $18.6M |
| Dental | DELTA DENTAL OF OHIO | 2,728 | $874K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,044 | $149K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,246 | $386K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,678 | $756K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 69 | $995K |
| Other | HARTFORD LIFE AND ACCIDENT | 970 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,817 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.