| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1360 EAST 9TH STREET, SUITE 600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $22K | $0 | $22K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | COMMUNITY INSURANCE COMPANY | $5K | $0 | $5K | 0.26% |
| UNKNOWN3 | UNKNOWN LEWIS CENTER, OH 43035 | TRUASSURE INSURANCE COMPANY | $18K | $0 | $18K | 15.00% |
| PETERSON FINANCIAL INC3 Filed as: PETERSON FINANCIAL | 548 CANTON ROAD WINTERSVILLE, OH 43953 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 10.11% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 505 | $1.9M |
| Dental | TRUASSURE INSURANCE COMPANY | 390 | $117K |
| Vision | VISION BENEFITS OF AMERICA | 373 | $29K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 505 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.