| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $25K | $15K | $40K | 1.63% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 22901 MILLCREEK BLVD. SUITE 160 HIGHLAND HILLS, OH 44122 | MEDICAL MUTUAL OF OHIO | $25K | $225 | $25K | 1.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, MO 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $14K | $20K | 7.86% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOCIATES | 23825 COMMERCE PARK ROAD SUITE A BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.07% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $882 | $882 | 0.34% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 149 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $258K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $258K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $258K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $258K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $258K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 149 | $2.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.