| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $35K | $35K | 2.77% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 1201 US ROUTE 23N DELAWARE, OH 43015 | COMMUNITY INSURANCE COMPANY | $32K | — | $32K | 2.50% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | COMMUNITY INSURANCE COMPANY | $24K | — | $24K | 1.87% |
| ERC SERVICES INC3 Filed as: ERC SERVICES | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $1K | $26K | 10.79% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.55% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 575 A SUNBURY ROAD DELAWARE, OH 43015 | THE GUARDIAN LIFE INSURANCE COMPANY | $881 | — | $881 | 15.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | — | THE GUARDIAN LIFE INSURANCE COMPANY | $32 | — | $32 | 0.54% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 386 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $243K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $243K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $243K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $243K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $243K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.