| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $63K | $63K | 2.21% |
| LION STREET FINANCIAL LLC3 | 515 CONGRESS AVENUE, SUITE 2500 AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.21% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES JUDD | C/O OSWALD CENTRE 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BOULEVARD SUITE 1200 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.76% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORPORATION | ATTN CLIENT COMPENSATION DEPARTMENT 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.64% |
| WILLIAM BEAR3 | 7105 SWAN WAY CARY, IL 60013 | METROPOLITAN LIFE INSURANCE COMPANY | $991 | — | $991 | 0.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 5450 FRANTZ ROAD DUBLIN, OH 43016 | DELTA DENTAL OF OHIO | $6K | — | $6K | 3.00% |
| 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 | $9K | $7K | $16K | 11.82% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $34 | $34 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $2.9M |
| Dental | DELTA DENTAL OF OHIO | 464 | $204K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 156 | $29K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $371K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 291 | $135K |
| Other | FEDERAL INSURANCE COMPANY | 292 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.