| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWOLD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $15K | $10K | $24K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | PO BOX 350 CONSHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $7K | — | $7K | 0.33% |
| ERC SERVICES INC3 | 333 RICHMOND DRIVE SUITE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 0.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWOLD COMPANY | 1100 CLE, OH 44114 | COMMUNITY INSURANCE COMPANY | $42K | $28K | $70K | 52.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | PO BOX 350 CONSHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $19K | — | $19K | 14.34% |
| ERC SERVICES INC3 | 3333 RICHMOND ROAD SUITE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | 6.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELEND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $613 | — | $613 | 8.22% |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 341 | $2.1M |
| Dental(2 contracts) | COMMUNITY INSURANCE COMPANY | 350 | $2.2M |
| Vision(2 contracts) | COMMUNITY INSURANCE COMPANY | 350 | $2.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 177 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.