| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP, LLC | 36711 AMERICAN WAY, SUITE F AVON, OH 44011 | MEDMUTUAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR, SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE INSURANCE COMPANY | $1K | $811 | $2K | 4.09% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP, LLC | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $24 | $1K | 4.05% |
| PHILIP J AMOS3 Filed as: PHILIP AMOS | 5311 MEADOW LANE COURT, SUITE 4 SHEFFIELD VILLAGE, OH 44035 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $454 | $0 | $454 | 1.59% |
| LINDA JEAN FOX3 Filed as: LINDA FOX | 37366 WEXFORD DRIVE CLEVELAND, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $454 | $0 | $454 | 10.00% |
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 | 680 | 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) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 981 | $258K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 981 | $258K |
| Life insurance(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 680 | $80K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 111 | $35K |
| Other(3 contracts, 3 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 680 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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."
No prospect flags tripped on this filing.