| 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 | $7K | $32K | $40K | 2.58% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $2K | — | $2K | 6.38% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $994 | — | $994 | 3.65% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE BENEFITS | $681 | — | $681 | 2.50% |
| NICK GIANCOLA3 | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $197 | — | $197 | 0.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $62 | — | $62 | 0.23% |
| KANAWHA FINANCIAL SERVICES3 | 116 D WOODLAND DR LANCASTER, SC 29720 | ALLSTATE BENEFITS | $8 | — | $8 | 0.03% |
| 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% |
| MAIA LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | ALLSTATE BENEFITS | $6 | — | $6 | 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% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $1K | — | $1K | 41.41% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $391 | — | $391 | 13.10% |
| DEAN WILLIAM LEHMAN3 Filed as: DEAN WILLIAM LEHMANN | 911 EDDY COURT WHEATON, IL 60187 | ALLSTATE BENEFITS | $78 | — | $78 | 2.61% |
| ALLIANCE WORKPLACE3 | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | ALLSTATE BENEFITS | $7 | — | $7 | 0.23% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $38 | — | $38 | 1.64% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $25 | — | $25 | 1.08% |
| MAIA LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | ALLSTATE BENEFITS | $22 | — | $22 | 0.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $7 | — | $7 | 0.30% |
| NICK GIANCOLA3 | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $5 | — | $5 | 0.22% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | ALLSTATE BENEFITS | $1 | — | $1 | 0.04% |
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 | 562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $1.6M |
| Life insurance(3 contracts) | ALLSTATE BENEFITS | 19 | $33K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $1.5M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $1.5M |
| Other(2 contracts) | ALLSTATE BENEFITS | 19 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.