| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BOULEVARD S SUITE 250 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $116K | $67K | $183K | 2.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $25K | $58K | 6.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BOULEVARD S SUITE 250 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $13K | $47K | 5.22% |
| WELLNESS IQ INC3 | 4700 ROCKSIDE ROAD, SUITE 540 INDEPENDENCE, OH 44141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 3.09% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.13% |
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 | 692 | 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) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 690 | $7.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 980 | $891K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 980 | $891K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 980 | $891K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 980 | $891K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 980 | $891K |
| Prescription drug | MEDICAL MUTUAL | 690 | $7.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 980 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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.