| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELECT GROUP BENEFITS LLC3 | 118 W MARKET ST AKRON, OH 44303 | COMMUNITY INSURANCE COMPANY | $33K | — | $33K | 1.36% |
| SELECT GROUP BENEFITS LLC3 | 33 MERZ BLVD SUTIE 1 AKRON, OH 44333 | COMMUNITY INSURANCE COMPANY | $17K | — | $17K | 0.69% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $11K | $5K | $16K | 0.65% |
| SELECT GROUP BENEFITS LLC3 Filed as: SELECT GROUP BENEFITS, LLC | 33 MERZ BLVD SUTIE 1 AKRON, OH 44333 | COMMUNITY INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| SELECT GROUP BENEFITS LLC3 | 118 W MARKET ST AKRON, OH 44303 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 7.19% |
| SELECT GROUP BENEFITS LLC3 | 33 MERZ BLVD SUITE 1 AKRON, OH 44333 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.25% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.76% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 297 | $2.4M |
| Dental | COMMUNITY INSURANCE COMPANY | 262 | $103K |
| Vision | COMMUNITY INSURANCE COMPANY | 297 | $2.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 367 | $89K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 367 | $89K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 367 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.