| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | $566 | $20K | $21K | 2.04% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | SUPERIOR DENTAL CARE | $3K | — | $3K | 6.79% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $927 | — | $927 | 14.99% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE & ASSOCIATES INSURANCE AGENCY | 895 CENTRAL AVENUE, SUITE 1100 CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 2.86% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE, FLOOR 21 ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE E, SUITE 1700 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.65% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 12.87% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $1.0M |
| Dental | SUPERIOR DENTAL CARE | 187 | $50K |
| Vision | VISION SERVICE PLAN | 76 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $6K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 12 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $785 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.