Form 5500 · Employee benefit plan · CLEVELAND, OH
COLLEGE NOW GREATER CLEVELAND INC.
The filing calls this plan COLLEGE NOW OF GREATER CLEVELAND HEALTH AND WELFARE PLAN.
COLLEGE NOW GREATER CLEVELAND INC. of CLEVELAND, OH spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JAMES B. OSWALD COMPANY. Coverage is written through MEDICAL MUTUAL OF OHIO and 3 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-6580096 · plan 501 · plan year 2025, filed May 8, 2026
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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
Also declared: prepaid legal, death benefits.
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.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with MEDICAL MUTUAL OF OHIO, covers 207 people.
Reported premium across the insured contracts is $2,592,042, with $153,437 in disclosed broker commissions — about 5.9% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
JAMES B. OSWALD COMPANY is the broker of record on all 4 contracts.
4 carriers appear on the filing, including MEDICAL MUTUAL OF OHIO, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. and METLIFE LEGAL PLANS. MEDICAL MUTUAL OF OHIO writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MEDICAL MUTUAL OF OHIO | Health | 207 | Aug 1, 2025 | $2,212,970 | $78,135 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Life, Disability | 249 | Aug 1, 2025 | $352,624 | $72,517 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 388 | Aug 1, 2025 | $14,664 | $1,460 |
| METLIFE LEGAL PLANS | — | 46 | Aug 1, 2025 | $11,784 | $1,325 |
Premium and claims on this contract
MEDICAL MUTUAL OF OHIO, contract 228865. For the contract year on this filing, the carrier reported $2,212,970 in premium earned and $2,075,180 in claims incurred. Dividing one by the other gives 94%.
- MEDICAL MUTUAL OF OHIO, contract 228865 reported $283,444 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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