| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | GUARDIAN | $130K | $16K | $146K | 7.94% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | — | $199 | $199 | 0.01% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE & FINANCE | PO BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER | $16K | — | $16K | 3.17% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE & FINANCE | 10606 TRADEMARK PKWY N 201A RANCHO CUCAMONGA, CA 91730 | KAISER | $16K | — | $16K | 3.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 93245 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $14K | — | $14K | 4.56% |
| COMMUNITY INSURANCE COMPANY3 | — | ANTHEM | — | $2.6M | $2.6M | 959.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | ANTHEM | $142K | — | $142K | 52.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | GUARDIAN | $29K | $8K | $37K | 16.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | GUARDIAN | $8K | $3K | $11K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1001 LAKESIDE AVE E #1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $686 | — | $686 | 4.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | GUARDIAN | $473 | $234 | $707 | 19.42% |
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 | 3,729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,815 | 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.