| 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 | $31K | $28K | $59K | 3.04% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | COMMUNITY INSURANCE COMPANY (G1728) | $316 | $0 | $316 | 0.02% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE INSURANCE COMPANY | $0 | $35K | $35K | 2.57% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE RD SUITE 540 INDEPENDENCE, OH 44141 | MEDMUTUAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.61% |
| JAMES M DUSTIN3 | 4700 ROCKSIDE RD SUITE 540 CLEVELAND, OH 44131 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | COMMUNITY INSURANCE COMPANY (G1728) | $15K | $0 | $15K | — |
| NATHIONAL BENEFITS GROUP OF AMERICA | 3102 W WATERS AVE SUITE 103 TAMPA, FL 33614 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $688 | $78K | — |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST SUITE 2760 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | — |
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 | 2,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 269 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 983 | $3.5M |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 124 | $1.6M |
| Vision(2 contracts) | COMMUNITY INSURANCE COMPANY (G1728) | 3,280 | $1.6M |
| Short-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 3,273 | $1.3M |
| Long-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 3,273 | $1.3M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 167 | $907K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 983 | $1.9M |
| Other | MEDMUTUAL LIFE INSURANCE COMPANY | 3,273 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,280 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.