| 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 | $35K | $3K | $39K | 3.29% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVLAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $9K | $4K | $13K | 15.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM LIFE INSURANCE COMPANY | $359 | — | $359 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.86% |
| LEWIS P AGNONE3 | 360 EASTWOOD DR HUBBARD, OH 444251683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $554 | — | $554 | 2.12% |
| MICHAEL ROBERT YURCZYK3 | 701 N. 2ND STREET #602 MINNEAPOLIS, MN 55401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | — | $214 | 0.82% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.67% |
| PAUL D QUILLIN3 Filed as: PAUL QUILLIN | 3144 MEANDERWOOD DR CANFIELD, OH 444069620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.50% |
| COREY J JONES3 Filed as: COREY JEAN JONES | 2400 HENN-HYDE ROAD WARREN, OH 44484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.47% |
| ANDREW F VERBOSKY JR3 Filed as: ANDREW FRANK VERBOSKY | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.40% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.24% |
| MELISSA ANN GREENE-SHULTZ3 | 6731 LINCOLN AVE HUBBARD, OH 444252653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.23% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 444711647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.13% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 531 | $1.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 531 | $1.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 531 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 129 | $82K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 129 | $82K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 129 | $82K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 129 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.