| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC J LASCESKI3 Filed as: MARC BYRNES | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $14K | — | $14K | 0.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 6.21% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 3.41% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANYT OF AMERICA | $2K | $35 | $2K | 3.32% |
| USI INSURANCE SERVICES LLC3 | NORTHEAST DIVISION NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANYT OF AMERICA | $1K | — | $1K | 1.79% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500- CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT COMPANY | $497 | $2 | $499 | 5.33% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT COMPANY | — | $203 | $203 | 2.17% |
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 | 821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 868 | $3.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $552K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $552K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $561K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $552K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $552K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.