| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 2.24% |
| GIRARD SECURITIES INC3 Filed as: GIRARD SECURITIES INC. | 9560 WAPLES STREET, SUITE B SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES JUDD | C/O OSWALD CENTRE 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.91% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORPORATION | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $919 | $236 | $1K | 0.33% |
| WILLIAM BEAR3 | 321 N. CLARK STREET FLOOR 14 ABI CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 3.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 5450 FRANTZ RD DUBLIN, OH 43016 | DELTA DENTAL OF OHIO | $6K | — | $6K | 3.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. SUITE 1500 CLEVELAND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $727 | — | $727 | 3.10% |
| CHARLES BENTZ3 | 57 E. WASHINGTON STREET CHARGRIN FALLS, OH 44022 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $445 | — | $445 | 1.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE E. SUITE 1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $2K | $1K | $3K | 22.00% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 536 | $3.1M |
| Dental | DELTA DENTAL OF OHIO | 516 | $190K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 357 | $32K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $375K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $326K |
| Other | FEDERAL INSURANCE COMPANY | 223 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.