| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $34K | $38K | 4.36% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $490 | $11 | $501 | 2.35% |
| NORMA JO SMITH3 Filed as: NORMA SMITH | 3617 HUNTERS GLEN RD ABILENE, TX 79605 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | 227 WEST TRADE ST STE 1500 CHARLOTTE, NC 28202 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $53 | $53 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.17% |
| ASSUREX3 | 175 S THIRD ST SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $255 | — | $255 | 10.02% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $862K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $862K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $884K |
| Short-term disability | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 62 | $21K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $862K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.