| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $136K | $31K | $167K | 8.45% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE800 COLUMBUS, OH 43215 | GUARDIAN | $786 | — | $786 | 0.04% |
| CAPITAL PLANNERS LLC3 Filed as: CAPITAL PLANNERS | 1191 LUDLUM CT MARCO ISLAND, FL 34145 | GUARDIAN | $123 | — | $123 | 0.01% |
| MORGAN & FRANZ INSURANCE AND FINANC3 | PO BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER FOUNDATION HEALTH PLANS INC. | $20K | — | $20K | 3.47% |
| MORGAN & FRANZ INSURANCE AND FINANC3 | 10606 TRADEMARK PKWY #201A RANCHO CUCAMONGA, CA 91730 | KAISER FOUNDATION HEALTH PLANS INC. | $7K | — | $7K | 1.86% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | — | $11K | $11K | 4.90% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $10K | $8K | $19K | 11.90% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | GUARDIAN | $30 | — | $30 | 0.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | — | $291 | $291 | 9.34% |
| COMMUNITY INSURANCE COMPANY3 | — | ANTHEM | — | $2.4M | $2.4M | — |
| EXPRESS SCRIPTS, INC.4 Filed as: EXPRESS SCRIPTS, INC | — | ANTHEM | — | $355K | $355K | — |
| THE JAMES B OSWALD COMPANY4 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM | $123K | — | $123K | — |
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 | 3,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 3,500 | $0 |
| Dental | ANTHEM | 3,500 | $0 |
| Vision | ANTHEM | 3,500 | $0 |
| Prescription drug | ANTHEM | 3,500 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,432 | — |
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.