| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M DUSTIN3 Filed as: JAMES M. DUSTIN | 4700 ROCKSIDE RD STE 540 03 CLEVELAND, OH 44131 | BLUE CARE NETWORK OF MICHIGAN | $29K | $676 | $30K | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | — | $45K | 4.88% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 2.44% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER CT CINCINNATI, OH 45230 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD STE 505 INDEPENDENCE, OH 44131 | AETNA LIFE INSURANCE CO. | $42K | — | $42K | 6.56% |
| COMMUNITY INSURANCE LLC Filed as: COMMUNITY INSURANCE COMPANY (G1728) | — | COMMUNITY INSURANCE COMPANY (G1728) | $972K | — | $972K | 209.80% |
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $9K | $40K | 13.00% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | CONSUMERS LIFE INSURANCE COMPANY | $17K | — | $17K | 11.44% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD STE 505 INDEPENDENCE, OH 44131 | ANTHEM BLUE CROSS & BLUE SHIELD VISION | $7K | — | $7K | 16.33% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UDC OF OHIO INC | — | $42 | $42 | 8.64% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE RD STE 505 INDEPENDENCE, OH 44131 | UDC OF OHIO INC | $31 | — | $31 | 6.38% |
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM BLUE CROSS LIFE AND HEALTH | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $2K | — | $2K | — |
| COMMUNITY INSURANCE LLC Filed as: COMMUNITY INSURANCE COMPANY (G1728) | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $119 | — | $119 | — |
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 | 2,765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 350 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | MEDICAL MUTUAL OF OHIO | 953 | $3.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,610 | $1.4M |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 181 | $508K |
| Life insurance | AETNA LIFE INSURANCE CO. | 5,938 | $646K |
| Short-term disability | CONSUMERS LIFE INSURANCE COMPANY | 814 | $148K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,598 | $308K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 953 | $1.3M |
| Other | AETNA LIFE INSURANCE CO. | 5,938 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,938 | — |
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.