| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC | 775 YARD STREET SUITE 200 GRANDVIEW HEIGHTS, OH 43212 | COMMUNITY INSURANCE COMPANY | $59K | $260 | $59K | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 93224 NETWORK PLACE SUITE 3760 CHICAGO, IL 60631 | HEALTHNOW NEW YORK, INC.DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $16K | — | $16K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST. COLUMBUS, OH 43212 | AETNA | $14K | — | $14K | 8.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 93245 NETWORK PLACE SUITE 1600 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 93245 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $47 | $2K | 7.51% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $626 | $18 | $644 | 3.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST. SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $1K | $274 | $2K | 7.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 93245 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 3.50% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 1.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | ACE AMERICAN INSURANCE COMPANY | $314 | — | $314 | 15.02% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 338 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $143K |
| Vision | MEDICAL MUTUAL | 126 | $20K |
| Life insurance | AETNA | 254 | $161K |
| Short-term disability | AETNA | 254 | $161K |
| Long-term disability | AETNA | 254 | $161K |
| Prescription drug | HEALTHNOW NEW YORK, INC.DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 88 | $436K |
| Other(4 contracts, 4 carriers) | AETNA | 254 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
No prospect flags tripped on this filing.