No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE JAMES B. OSWALD COMPANY EIN 34-0445620 NONE | Consulting (general) Service code 16 | — | $81K |
| FAULKNER, HOFFMAN, AND PHILLIPS EIN 45-1540483 NONE | Legal Service code 29 | — | $52K |
| REA & ASSOCIATES, INC EIN 34-1310124 NONE | Accounting (including auditing) Service code 10 | — | $49K |
| LAUREL NIELSEN EIN 34-0754400 NONE | Employee (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $36K |
| GLORIA KASSAY EIN 34-0754400 NONE | Employee (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $26K |
| SEGAL MARCO ADVISORS EIN 13-2645110 NONE | Investment advisory (plan) Service code 27 | — | $11K |
| LEGACY PROFESSIONALS, LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $8K |
| FIFTH THIRD BANK EIN 31-0676865 NONE | Investment management Service code 28 | — | $8K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial Service code 11 | — | $7K |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 628 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.