| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $45K | $2K | $47K | 6.31% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $14K | — | $14K | 1.88% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 2.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 2.49% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 10.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441140000 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.73% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | ANTHEM LIFE INSURANCE COMPANY | $197 | — | $197 | 0.86% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.18% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $396 | — | $396 | 6.66% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | $199 | — | $199 | 3.35% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $517 | — | $517 | 9.99% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | 110 | $748K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | 120 | $106K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY, DBA BLUE CROSS AND BLUE SHIELD | 82 | $11K |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 120 | $40K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 120 | $34K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.