| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE - SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $171K | $35K | $206K | 9.34% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC | 175 SOUTH THIRD ST - STE 800 COLUMBUS, OH 43215 | GUARDIAN | $3K | — | $3K | 0.13% |
| CAPITAL PLANNERS LLC3 | 1191 LUDLAM CT MARCO ISLAND, FL 34145 | GUARDIAN | $365 | — | $365 | 0.02% |
| MORGAN & FRANZ INSURANCE AND3 Filed as: MORGAN & FRANZ INSURANCE & FINANCIA | PO BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER FOUNDATION HEALTH PLANS INC. | $18K | — | $18K | 3.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1360 E. 9TH ST. - SUITE 600 CLEVELAND, OH 44114 | EYEMED VISION CARE | — | $12K | $12K | 5.00% |
| MORGAN & FRANZ INSURANCE AND3 Filed as: MORGAN & FRANZ INSURANCE & FINANCIA | 10606 TRADEMARK PKWY N. 201A RANCHO CUCAMONGA, CA 91730 | KAISER FOUNDATION HEALTH PLANS INC. | $3K | — | $3K | 1.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE - SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $11K | $9K | $20K | 12.05% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC | 175 S THIRD ST - STE 800 COLUMBUS, OH 43215 | GUARDIAN | $66 | — | $66 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1360 E 9TH ST - STE 600 CLEVELAND, OH 44107 | EYEMED VISION CARE | — | $264 | $264 | 4.93% |
| COMMUNITY INSURANCE COMPANY4 | — | ANTHEM | — | $4.1M | $4.1M | — |
| EXPRESS SCRIPTS, INC.4 Filed as: EXPRESS SCRIPTS, INC | — | ANTHEM | — | $581K | $581K | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1360 E 9TH ST STE 600 CLEVELAND, OH 44114 | ANTHEM | $133K | — | $133K | — |
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 | 3,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 3,448 | $0 |
| Dental | ANTHEM | 3,448 | $0 |
| Vision | ANTHEM | 3,448 | $0 |
| Prescription drug | ANTHEM | 3,448 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,800 | — |
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.