| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST COLUMBUS, OH 43212 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 1.32% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $5K | $29K | 10.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 N BANK DR COLUMBUS, OH 43220 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $15K | 10.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.91% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF OHIO INC | 1001 LAKESIDE AVE SUITE 1600 CLEVELAND, OH 44114 | HEALTHSPAN INTEGRATED CARE | $953 | — | $953 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 606730001 | COMPBENEFITS INSURANCE COMPANY | $3K | — | $3K | 9.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 303283496 | COMPBENEFITS INSURANCE COMPANY | — | $294 | $294 | 0.96% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $619 | $3K | 12.53% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 950 PENINSULA CORP CIR STE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $1K | $2K | 9.14% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $91 | $91 | 0.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.08% |
| ASSUREX3 | 175 S THIRD ST STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 606731932 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $504 | — | $504 | 2.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 0.56% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 950 PENINSULA CORP CIR STE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | $215 | $474 | 11.30% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 426 | $486K |
| Dental | AETNA LIFE INSURANCE CO. | 426 | $486K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 180 | $31K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $160K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.