| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO HEALTH BENEFITS | PO BOX 52 TALLMADGE, OH 442780052 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| MY1HR, INC.3 | 526 S MAIN STREET, STE 805 AKRON, OH 44311 | HUMANA INSURANCE COMPANY | $761 | — | $761 | 0.62% |
| MY1HR, INC.3 | 526 S MAIN STREET, STE 805 AKRON, OH 44311 | VISION SERVICE PLAN | $485 | — | $485 | 3.46% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | VISION SERVICE PLAN | $332 | — | $332 | 2.37% |
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO HEALTH BENEFITS | PO BOX 52 TALLMADGE, OH 442780052 | VISION SERVICE PLAN | $208 | — | $208 | 1.48% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMACARE | 134 | $493K |
| Dental | HUMANA INSURANCE COMPANY | 185 | $123K |
| Vision | VISION SERVICE PLAN | 137 | $14K |
| Life insurance | HUMANA INSURANCE COMPANY | 185 | $123K |
| Long-term disability | HUMANA INSURANCE COMPANY | 185 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.