| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 NORTH EXECUTIVE DRIVE SUITE 30 BROOKFIELD, WI 53005 | COMMUNITY INSURANCE COMPANY | $88K | $5K | $93K | 1.62% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19K | — | $19K | 0.34% |
| ANDREW MOORE3 | 4695 MACARTHUR CT STE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $31 | $8K | 3.32% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST FL 11 BOCA RATON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $3K | $3K | 1.15% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $243 | $2K | 0.76% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $258 | $258 | 0.11% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $46 | $46 | 0.02% |
| M FINANCIAL HOLDINGS INC4 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 0.01% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 13.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44144 | LLOYDS OF LONDON | $5K | — | $5K | 9.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | EYEMED | $4K | — | $4K | 10.88% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $193 | $5K | 21.77% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST FL 11 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $666 | $666 | 3.14% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $619 | $2K | 16.63% |
| TBG WEST INSURANCE SERVICES3 Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $391 | $252 | $643 | 4.72% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $185 | $372 | 2.73% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $321 | — | $321 | 2.36% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $28 | $28 | 0.21% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $57 | $2K | 20.13% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 2.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $456 | $68 | $524 | 10.15% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 950 PENINSULA CORP CIRCLE STE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 2.71% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.46% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | EYEMED | $99 | — | $99 | 10.34% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 524 | $5.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 611 | $252K |
| Vision(2 contracts) | EYEMED | 534 | $41K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 360 | $451K |
| Short-term disability(3 contracts, 2 carriers) | LLOYDS OF LONDON | 62 | $76K |
| Long-term disability(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 402 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.