| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $34K | — | $34K | 3.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY | $8K | $560 | $9K | 0.82% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $911 | — | $911 | 0.09% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 5.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 214 N TYRON STREET CHARLOTTE, NC 28282 | AMERITAS LIFE INSURANCE CORPORATION | — | $417 | $417 | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET COLUMBUS, OH 43212 | AMERITAS LIFE INSURANCE CORPORATION | $211 | — | $211 | 0.55% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $446 | $4K | 11.47% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $504 | — | $504 | 1.65% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | $59 | $396 | 9.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $9 | $77 | 1.91% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 184 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 143 | $38K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 143 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $31K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.