| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | OSWALD CENTRE 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL | $103K | — | $103K | 1.40% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF OHIO | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | CONSUMERS LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 2,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 732 | $7.3M |
| Vision | EYEMED | 1,600 | $68K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 2,188 | $611K |
| Long-term disability | CONSUMERS LIFE INSURANCE COMPANY | 2,188 | $611K |
| Prescription drug | MEDICAL MUTUAL | 732 | $7.3M |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 2,188 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,188 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.