| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 25311 | DELTA DENTAL OF OHIO | $3K | — | $3K | 3.75% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $633 | — | $633 | 0.82% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF OHIO | $312 | — | $312 | 0.40% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL LIFE | $7K | $2K | $9K | 14.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR SUITE 1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL LIFE | $2K | $799 | $3K | 4.79% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 22.07% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.06% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $13K | $7K | $19K | — |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $4K | — | $4K | — |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 406 | $78K |
| Vision | EYEMED VISION CARE | 355 | $23K |
| Life insurance(2 contracts, 2 carriers) | MEDICAL MUTUAL LIFE | 221 | $106K |
| Short-term disability | MEDICAL MUTUAL LIFE | 221 | $67K |
| Long-term disability | MEDICAL MUTUAL LIFE | 221 | $67K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 180 | $0 |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 180 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.