| 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 | $30K | $2K | $32K | 1.96% |
| HOVANIC, GREGORY3 | 8009 E MARKET ST WARREN, OH 44484 | COMMUNITY INSURANCE COMPANY | $10K | — | $10K | 0.64% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVLAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 7.91% |
| HOVANIC, GREGORY3 | 8009 E MARKET ST WARREN, OH 44484 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.04% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $0 | $968 | $968 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM LIFE INSURANCE COMPANY | $236 | — | $236 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $749 | — | $749 | 3.93% |
| LEWIS P AGNONE3 | 360 EASTWOOD DR HUBBARD, OH 444251683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 2.08% |
| MICHAEL ROBERT YURCZYK3 | 701 N. 2ND STREET #602 MINNEAPOLIS, MN 55401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.90% |
| THE CONSULTANTS LTD3 Filed as: THE CONSULTANTS LLC | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.68% |
| PAUL D QUILLIN3 Filed as: PAUL QUILLIN | 3144 MEANDERWOOD DR CANFIELD, OH 444069620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.55% |
| ANDREW F VERBOSKY JR3 Filed as: ANDREW FRANK VERBOSKY | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.50% |
| MELISSA ANN GREENE-SHULTZ3 | 6731 LINCOLN AVE HUBBARD, OH 444252653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.29% |
| COREY J JONES3 Filed as: COREY JEAN JONES | 2400 HENN-HYDE ROAD WARREN, OH 44484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.28% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.26% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 444711647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.15% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 262 | $1.6M |
| Dental | COMMUNITY INSURANCE COMPANY | 262 | $1.6M |
| Vision | COMMUNITY INSURANCE COMPANY | 262 | $1.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 150 | $80K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 150 | $80K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 150 | $80K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 150 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.