| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULING, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 1.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES JUDD | 1100 SUPERIOR AVENUE E STE 1500 C/O OSWALD CENTRE CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.68% |
| GIRARD SECURITIES INC3 | 9560 WAPLES ST STE B SAN DIEGO, CA 921212931 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.85% |
| THE JAMES B OSWALD COMPANY3 | SUITE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $6K | $38K | 11.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.28% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $17K | $46K | 24.00% |
| ASSUREX3 | 175 S THIRD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 1.78% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 5.17% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | JOHN HANCOCK | $3K | — | $3K | 7.80% |
| TIMOTHY T. DOYLE3 Filed as: TIMOTHY DOYLE | 28210 WEST OAKLAND ROAD CLEVELAND, OH 44140 | JOHN HANCOCK | $2K | — | $2K | 4.20% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE. #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $2K | $785 | $2K | 22.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $150 | $239 | 5.37% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $848 | $436 | $1K | 33.13% |
| ASSUREX3 | 175 S THIRD ST STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $182 | — | $182 | 4.70% |
| ROMER & CO, INC.3 Filed as: ROMER & CO, INC | 1021 DELTA AVE CINCINNATI, OH 45208 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $426 | — | $426 | 17.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $84K |
| AON CONSULTING EIN 22-2232264 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $24K |
| KEY BANK NATIONAL ASSOCIATION EIN 34-6903863 NONE | Shareholder servicing fees; Custodial (securities); Contract Administrator; Float revenue; Direct payment from the plan Service code 13 | — | $5K |
| CIGNA | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Investment management fees paid indirectly by plan; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $0 |
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 | 741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 832 | $1.3M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 832 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 745 | $704K |
| Long-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 694 | $520K |
| Stop-loss / reinsurancereinsurance(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 832 | $1.3M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 832 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.