| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | 25700 SCIENCE PARK DR STE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $4K | $42K | 5.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE SAVIN SALES ACQUISITION | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 430852298 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.07% |
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN RD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.39% |
| MICHAEL BARRETT3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 441224484 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.70% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN INC | $246 | — | $246 | 0.22% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $727 | $4K | 4.45% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 0.14% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $960 | $5K | 9.87% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38 | — | $38 | 0.07% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $674 | $7K | 15.42% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $494 | — | $494 | 1.15% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $711 | $6K | 15.84% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $394 | — | $394 | 1.04% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68 | — | $68 | 0.40% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $993 | $187 | $1K | 11.16% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64 | — | $64 | 0.61% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $937K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $85K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $56K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
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.