No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE JAMES B OSWALD COMPANY EIN 34-0445620 NONE | Consulting (general); Direct payment from the plan Service code 16 | 1100 SUPERIOR AVE CLEVELAND, OH 44114 | $80K |
| LAUREL NIELSEN EIN 62-1523674 EMPLOYEE OF PLAN SPONSOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Employee (plan) Service code 15 | — | $40K |
| FAULKNER, HOFFMAN AND PHILLIPS EIN 45-1540483 NONE | Legal; Direct payment from the plan Service code 29 | 20445 EMERALD PKWY 210 CLEVELAND, OH 44135 | $29K |
| DGPERRY EIN 83-3033790 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 3711 STARRS CENTRE DRIVE CANFIELD, OH 44406 | $29K |
| ERICA KAWCZYNSKI EIN 62-1523674 EMPLOYEE OF PLAN SPONSOR | Employee (plan); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $26K |
| BENESYS EIN 38-2383171 NONE | Recordkeeping fees; Direct payment from the plan Service code 50 | 700 TOWER DRIVE SUITE 200 TROY, MI 48098 | $20K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 1300 EAST NINTH ST CLEVELAND, OH 441141593 | $14K |
| SEGAL SELECT INSURANCE EIN 46-0614919 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $11K |
| BRICKLAYERS ALLIED CRAFTWORKERS NONE | Direct payment from the plan; Other fees Service code 50 | 9525 SWEET VALLEY DR VALLEY VIEW, OH 44125 | $9K |
| FIFTH THIRD EIN 31-0676865 NONE | Investment management fees paid indirectly by plan; Investment management; Custodial (securities) Service code 19 | 600 SUPERIOR AVE CLEVALAND, OH 44114 | $8K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | $7K |
| THE UNION LABOR LIFE INSURANCE EIN 13-1423090 NONE | Direct payment from the plan; Insurance services Service code 23 | 1625 EYE STREET N.W. WASHINGTON, DC 20006 | $5K |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 96 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 581 | $58K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 590 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.