| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $32K | $39K | 2.85% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.29% |
| ASSUREX3 | 175 S THIRD ST, STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE BENEFITS | $3K | — | $3K | 10.69% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $3K | — | $3K | 10.07% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $2K | — | $2K | 9.46% |
| NICK GIANCOLA3 | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $168 | — | $168 | 0.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $56 | — | $56 | 0.22% |
| MALCOLM VARNER3 | 116 D WOODLAND DR LANCASTER, SC 29720 | ALLSTATE BENEFITS | $8 | — | $8 | 0.03% |
| JAMES CARLTON GILLIS3 | PO BOX 987 LANCASTER, SC 29721 | ALLSTATE BENEFITS | $8 | — | $8 | 0.03% |
| KANAWHA FINANCIAL SERVICES3 | 116 D WOODLAND DR LANCASTER, SC 29720 | ALLSTATE BENEFITS | $7 | — | $7 | 0.03% |
| MAIA LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | ALLSTATE BENEFITS | $5 | — | $5 | 0.02% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | ALLSTATE BENEFITS | $3 | — | $3 | 0.01% |
| JOSEPH GORTZ3 | 5574 BARNEY DRIVE DUBLIN, OH 43016 | ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $81 | — | $81 | 2.81% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $39 | — | $39 | 1.35% |
| NICK GIANCOLA3 | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $26 | — | $26 | 0.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $16 | — | $16 | 0.55% |
| MAIA LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | ALLSTATE BENEFITS | $1 | — | $1 | 0.03% |
| THOMAS W BOSTON | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | ALLSTATE BENEFITS | $1 | — | $1 | 0.03% |
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 | 590 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $1.4M |
| Life insurance(2 contracts) | ALLSTATE BENEFITS | 25 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.