| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 3737 PARK E DRIVE BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 2.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 1.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | OSWALD CENTRE 1100 SUPERIOR SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE INSURANCE COMPANY | $4K | $4K | $9K | 9.92% |
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 | 1,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,069 | $402K |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 1,882 | $89K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,069 | $402K |
| Other | MEDMUTUAL LIFE INSURANCE COMPANY | 1,882 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,882 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.