| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $18K | $18K | $36K | 2.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | COMMUNITY INSURANCE COMPANY | $16 | $2K | $2K | 0.15% |
| THE JAMES B OSWALD COMPANY3 | 1360 EAST 9TH STREET SUITE 600 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $10K | — | $10K | 11.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | ANTHEM LIFE INSURANCE COMPANY | $366 | — | $366 | 0.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | — | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8561 EAST AVENUE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.67% |
| LEWIS P AGNONE3 | 360 EASTWOOD DRIVE HUBBARD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| COREY J JONES3 | 2400 HENN HYDE ROAD NORTHEAST WARREN, OH 44484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | — | $322 | 0.77% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 WEST 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.69% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWOOD COURT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | — | $269 | 0.64% |
| MELISSA ANN GREENE-SHULTZ3 Filed as: MELISSA A GREENE SHULTZ | 6731 LINCOLN AVENUE HUBBARD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 0.58% |
| CHRISTOPHER KOSCHACK3 | 47597 BELL SCHOOL ROAD EAST LIVERPOOL, OH 43920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.45% |
| PAUL D QUILLIN3 | 955 WINDHAM COURT YOUNGSTOWN, OH 44512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.38% |
| ANDREW F VERBOSKY JR3 Filed as: ANDREW F VERBOSKY, JR | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.33% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD SUITE 305 FT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.21% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 148 | $1.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 133 | $75K |
| Vision | COMMUNITY INSURANCE COMPANY | 148 | $1.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 152 | $84K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 152 | $84K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 152 | $84K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 152 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.