| 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. | $7K | — | $7K | 1.27% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $710 | $4K | 2.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.97% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $26K | $63K | 35.34% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $16K | $32K | 17.95% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $724 | $3K | 1.42% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 950 PENINSULA CORP CIR BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $878 | $846 | $2K | 0.97% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $91 | $91 | 0.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $14K | 13.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.95% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $688 | $300 | $988 | 15.68% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 950 PENINSULA CORP CIR BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $211 | $475 | 7.54% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $165 | $165 | 2.62% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 475 | $549K |
| Dental | AETNA LIFE INSURANCE CO. | 475 | $549K |
| Vision | HUMANA INSURANCE COMPANY | 187 | $31K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $98K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 356 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.