| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $57K | $3K | $60K | 6.51% |
| BENJAMIN KATZ LTD LLC3 | 5885 LANDERBROOK DR STE 200 CLEVELAND, OH 44124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.11% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.35% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY INC | 10725 PINE VALLEY CIRCLE PAINESVILLE, OH 44077 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.72% |
| BENJAMIN KATZ LTD LLC3 | 5885 LANDERBROOK DR STE 200 CLEVELAND, OH 44124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $285 | $131 | $416 | 14.58% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $148 | $148 | 5.19% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 173 | $921K |
| Dental | COMMUNITY INSURANCE COMPANY | 78 | $33K |
| Vision | COMMUNITY INSURANCE COMPANY | 173 | $921K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 141 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $37K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.