| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR OSWALD CENTRE CLEVELAND, OH 44114 | MEDICAL MUTUAL | $31K | $15K | $45K | 4.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | SUPERIOR DENTAL CARE | $3K | — | $3K | 6.75% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| 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 | $146 | — | $146 | 4.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE, FLOOR 21 ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE E, SUITE 1700 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.11% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 107 | $999K |
| Dental | SUPERIOR DENTAL CARE | 164 | $51K |
| Vision | VISION SERVICE PLAN | 81 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $7K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $3K |
| Prescription drug | MEDICAL MUTUAL | 107 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.