| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 N BANK DR COLUMBUS, OH 43220 | GUARDIAN | $105K | — | $105K | 5.43% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $33K | $29K | $62K | 3.21% |
| CAPITAL PLANNERS LLC3 Filed as: CAPITAL PLANNERS | 1191 LUDLUM CT MARCO ISLAND, FL 30885 | GUARDIAN | $13 | — | $13 | 0.00% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE & FINANCE | PO BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER FOUNDATION HEALTY PLANS | $32K | — | $32K | 4.06% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE & FINANCE | PO BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER FOUNDATION HEALTH PLANS INC | $16K | — | $16K | 3.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | — | EYEMED VISION CARE | $11K | — | $11K | 3.74% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $4K | — | $4K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 N BANK DR COLUMBUS, OH 43220 | GUARDIAN | $26K | — | $26K | 9.56% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $9K | $11K | $20K | 7.42% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $3K | $7K | $9K | 8.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 N BANK DR COLUMBUS, OH 43220 | GUARDIAN | $5K | — | $5K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1001 LAKESIDE AVE E #1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $373 | — | $373 | 3.30% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $116 | — | $116 | 1.03% |
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 | 3,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,512 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.