| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR OSWALD CENTRE CLEVELAND, OH 44114 | MEDICAL MUTUAL | $32K | $16K | $48K | 4.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | SUPERIOR DENTAL CARE | $4K | — | $4K | 6.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| HOFFMAN INSURANCE AGENCY3 Filed as: HOFFMAN INSURANCE GROUP | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $886 | — | $886 | 16.18% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS BEREA, OH 44017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 11.94% |
| 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 | $122 | — | $122 | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE, FLOOR 21 ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 1.17% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 110 | $1.1M |
| Dental | SUPERIOR DENTAL CARE | 180 | $53K |
| Vision | VISION SERVICE PLAN | 86 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $5K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $3K |
| Prescription drug | MEDICAL MUTUAL | 110 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.