Form 5500 · Employee benefit plan · BEDFORD HEIGHTS, OH
OLYMPIC STEEL, INC.
The filing calls this plan OLYMPIC STEEL FLEXIBLE BENEFITS PLAN.
OLYMPIC STEEL, INC. of BEDFORD HEIGHTS, OH spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JAMES B. OSWALD COMPANY. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-1245650 · plan 510 · plan year 2025, filed Sep 10, 2026
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60 other employer plans in Ohio have policy years ending in January. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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 7 insured contracts covering health, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 675 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $1,657,485, with $300,861 in disclosed broker commissions — about 18% of premium.
The health contract's policy period ended in January, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
JAMES B. OSWALD COMPANY is the broker of record on all 7 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 675 | Jan 2, 2026 | $616,520 | $123,304 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Health, Life | 538 | Jan 2, 2026 | $268,197 | $53,640 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Health, Life, Disability | 1,286 | Jan 2, 2026 | $240,591 | $48,118 |
| UNUM INSURANCE COMPANY | Health | 375 | Jan 2, 2026 | $120,229 | $30,081 |
| UNUM INSURANCE COMPANY | Disability | 455 | Jan 2, 2026 | $86,293 | $21,596 |
| UNUM INSURANCE COMPANY | Health | 332 | Jan 2, 2026 | $76,487 | $19,133 |
| VISION SERVICE PLAN | Vision | 990 | Jan 1, 2026 | $249,168 | $4,989 |
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.
Reported to OSHA
Reported to OSHA for 2025: 619 employees, 27 recordable cases, 495 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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