| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M DUSTIN Filed as: JAMES M. DUSTIN | 4700 ROCKSIDE ROAD STE 540 INDEPENDENCE, OH 44131 | ANTHEM INSURANCE COMPANIES, INC. (G2001) | $36K | — | $36K | 2.77% |
| EMPLOYEE BENEFITS INTERNATIONAL | 4700 ROCKSIDE ROAD STE 505 INDEPENDENCE, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $23K | $86K | 8.19% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD STE 505 INDEPENDENCE, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $18K | $62K | 8.46% |
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $11K | $38K | 14.13% |
| ASSUREX Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.83% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD STE 505 INDEPENDENCE, OH 44131 | ANTHEM BLUE CROSS & BLUE SHIELD VISION | $19K | $0 | $19K | 10.79% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | CONSUMERS LIFE INSURANCE COMPANY | $14K | — | $14K | 18.54% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | ASSURANT EMPLOYEE BENEFITS | $13 | — | $13 | 7.47% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD SUITE 505 INDEPENDENCE, OH 44131 | ASSURANT EMPLOYEE BENEFITS | $0 | — | $0 | 0.00% |
| COMMUNITY INSURANCE LLC Filed as: COMMUNITY INSURANCE COMPANY (G1728) | — | COMMUNITY INSURANCE COMPANY (G1728) | $1.1M | — | $1.1M | — |
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM BLUE CROSS LIFE AND HEALTH | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $837K | — | $837K | — |
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 | 2,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 367 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | MEDICAL MUTUAL OF OHIO (STOP LOSS) | 1,073 | $4.0M |
| Dental(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,198 | $1.1M |
| Vision | ANTHEM BLUE CROSS & BLUE SHIELD VISION | 1,864 | $179K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,263 | $734K |
| Short-term disability | CONSUMERS LIFE INSURANCE COMPANY | 555 | $77K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,263 | $1.0M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO (STOP LOSS) | 1,073 | $1.4M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,263 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,263 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.