| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1199 SUPERIOR AVE CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 8.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | P.O. BOX 1687 TOLEDO, OH 436031687 | HARTFORD LIFE AND ACCIDENT | $10 | — | $10 | 0.00% |
| COMMUNITY INSURANCE COMPANY3 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY (G1728) | — | — | $0 | 0.00% |
| EXPRESS SCRIPTS, INC.3 | 1 EXPRESS WAY ST.LOUIS, MO 63121 | COMMUNITY INSURANCE COMPANY (G1728) | — | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $7K | — | $7K | 4.73% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP-DUBLIN | 565 METRO PL S, SUITE 450 DUBLIN, OH 43017 | HUMANA INSURANCE COMPANY | $600 | — | $600 | 1.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | — | VISION SERVICE PLAN | $1K | — | $1K | 4.96% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 250 | $211K |
| Dental(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 433 | $375K |
| Vision | VISION SERVICE PLAN | 164 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 296 | $229K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 296 | $229K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 296 | $229K |
| Prescription drug | HUMANA INSURANCE COMPANY | 12 | $38K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 250 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.