Form 5500 · Employee benefit plan · CLEVELAND, OH
CASE WESTERN RESERVE UNIVERSITY
The filing calls this plan BENELECT PLAN.
CASE WESTERN RESERVE UNIVERSITY of CLEVELAND, OH is a 4,321-participant education employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is JAMES B. OSWALD COMPANY. Coverage is written through MEDICAL MUTUAL OF OHIO and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-1018992 · plan 600 · plan year 2024, filed Sep 29, 2025
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2,504 other employer plans in Ohio have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with MEDICAL MUTUAL OF OHIO, covers 3,491 people.
Reported premium across the insured contracts is $43,021,023, with $58,115 in disclosed broker commissions — about 0.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
JAMES B. OSWALD COMPANY is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including MEDICAL MUTUAL OF OHIO, MEDIMPACT HEALTHCARE SYSTEMS, INC., MEDMUTUAL LIFE INSURANCE COMPANY and SUPERIOR DENTAL CARE. MEDICAL MUTUAL OF OHIO writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MEDMUTUAL LIFE INSURANCE COMPANY | Life, Disability | 4,504 | Jan 1, 2025 | $1,971,608 | $58,115 |
| MEDICAL MUTUAL OF OHIO | Health | 3,491 | Jan 1, 2025 | $30,660,644 | $0 |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. | Health | 3,125 | Jan 1, 2025 | $8,141,426 | $0 |
| SUPERIOR DENTAL CARE | Dental | 3,018 | Jan 1, 2025 | $1,625,439 | $0 |
| VISION SERVICE PLAN | Vision | 2,640 | Jan 1, 2025 | $429,717 | $0 |
| CASE SCHOOL OF DENTAL MEDICINE | Dental | 453 | Jan 1, 2025 | $192,189 | $0 |
Premium and claims on these contracts
MEDICAL MUTUAL OF OHIO, contract 227922. For the contract year on this filing, the carrier reported $30,660,644 in premium earned and $40,643,328 in claims incurred. Dividing one by the other gives 133%.
MEDIMPACT HEALTHCARE SYSTEMS, INC., contract CWR01. For the contract year on this filing, the carrier reported $8,141,426 in premium earned and $12,689,808 in claims incurred. Dividing one by the other gives 156%.
SUPERIOR DENTAL CARE, contract 227922. For the contract year on this filing, the carrier reported $1,625,439 in premium earned and $2,052,915 in claims incurred. Dividing one by the other gives 126%.
VISION SERVICE PLAN, contract 12261839. For the contract year on this filing, the carrier reported $429,717 in premium earned and $314,513 in claims incurred. Dividing one by the other gives 73%.
CASE SCHOOL OF DENTAL MEDICINE, contract 0. For the contract year on this filing, the carrier reported $192,189 in premium earned and $106,471 in claims incurred. Dividing one by the other gives 55%.
- MEDICAL MUTUAL OF OHIO, contract 227922 reported $1,316,003 in retention.
- MEDIMPACT HEALTHCARE SYSTEMS, INC., contract CWR01 reported $25,133 in retention.
- SUPERIOR DENTAL CARE, contract 227922 reported $107,509 in retention.
- VISION SERVICE PLAN, contract 12261839 reported $58,012 in retention.
- CASE SCHOOL OF DENTAL MEDICINE, contract 0 reported $0 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
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