| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE RD SUITE 540 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $45K | $45K | $90K | 4.37% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | COMMUNITY INSURANCE COMPANY (G1728) | $0 | $57K | $57K | 4.45% |
| JAMES M DUSTIN3 | 4700 ROCKSIDE RD SUITE 540 CLEVELAND, OH 44131 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 3.01% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER CT CINCINNATI, OH 45230 | AETNA LIFE INSURANCE CO | $69K | $0 | $69K | 9.18% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | $14K | $60K | 13.04% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | CONSUMERS LIFE INSURANCE COMPANY | $19K | — | $19K | 9.84% |
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM BLUE CROSS LIFE AND HEALTH | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $323 | — | $323 | — |
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 | 3,694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 284 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 1,023 | $3.3M |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 0 | $1.3M |
| Vision(2 contracts) | COMMUNITY INSURANCE COMPANY (G1728) | 0 | $1.3M |
| Life insurance | AETNA LIFE INSURANCE CO | 3,760 | $754K |
| Short-term disability | CONSUMERS LIFE INSURANCE COMPANY | 1,960 | $188K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,221 | $457K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 167 | $907K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,023 | $2.1M |
| Other | AETNA LIFE INSURANCE CO | 3,760 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,760 | — |
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.