| 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 | COMMUNITY INSURANCE COMPANY | $20K | $5K | $25K | 2.38% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $13K | $0 | $13K | 1.21% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 3333 RICHMOND ROAD, SUITE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.17% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 19.71% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 4.95% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD STREET WORTHINGTON, OH 43085 | HUMANA INSURANCE COMPANY | $769 | $0 | $769 | 3.17% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $183 | $0 | $183 | 3.41% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86 | $0 | $86 | 1.60% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE CLEVELAND, OH 44113 | PRINCIPAL LIFE INSURANCE COMPANY | $245 | $0 | $245 | 9.43% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $118 | $0 | $118 | 4.54% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $78 | $78 | 3.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 109 | $1.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $67K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $67K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $48K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $42K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 109 | $1.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.