No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE JAMES B. OSWALD COMPANY EIN 34-0445620 NONE | Consulting (general) Service code 16 | — | $88K |
| WALTHALL, LLP EIN 34-0644631 NONE | Accounting (including auditing) Service code 10 | — | $46K |
| LAUREL NIELSEN EIN 34-0754400 NONE | Employee (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34K |
| GLORIA KASSAY EIN 34-0754400 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Employee (plan) Service code 15 | — | $25K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 26-0516431 NONE | Investment advisory (plan) Service code 27 | — | $24K |
| PACIFIC INCOME ADVISORS EIN 95-4067974 NONE | Investment management Service code 28 | — | $11K |
| WALTER & HAVERFIELD LLP EIN 34-0602148 NONE | Legal Service code 29 | — | $10K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial Service code 11 | — | $9K |
| FIFTH THIRD BANK EIN 31-0676865 NONE | Investment management Service code 28 | — | $8K |
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 | 658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 665 | $6.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 665 | $6.2M |
| Short-term disability | COMMUNITY INSURANCE COMPANY | 665 | $6.2M |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 665 | $6.2M |
| Other | COMMUNITY INSURANCE COMPANY | 665 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.