| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | AETNA LIFE INSURANCE COMPANY | $6K | $13K | $19K | 1.11% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | LINCOLN FINANCIAL GROUP | $7K | — | $7K | 15.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | LINCOLN FINANCIAL GROUP | $6K | — | $6K | 15.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 15.00% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $623 | — | $623 | 2.97% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $529 | — | $529 | 2.52% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE BENEFITS | $175 | — | $175 | 0.83% |
| NICK GIANCOLA3 | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $152 | — | $152 | 0.73% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $41 | — | $41 | 0.20% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | ALLSTATE BENEFITS | $35 | — | $35 | 0.17% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD STE H-1 NEW CASTLE, PA 16105 | ALLSTATE BENEFITS | $9 | — | $9 | 0.04% |
| MAIA LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | ALLSTATE BENEFITS | $4 | — | $4 | 0.02% |
| MALCOLM VARNER3 | 116 D WOODLAND DR LANCASTER, SC 29720 | ALLSTATE BENEFITS | $4 | — | $4 | 0.02% |
| KANAWHA FINANCIAL SERVICES3 | 116 D WOODLAND DR LANCASTER, SC 29721 | ALLSTATE BENEFITS | $3 | — | $3 | 0.01% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | ALLSTATE BENEFITS | $2 | — | $2 | 0.01% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | ALLSTATE BENEFITS | $2 | — | $2 | 0.01% |
| JOSEPH GORTZ3 | 5574 BARNEY DRIVE DUBLIN, OH 43016 | ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 10.34% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $307 | — | $307 | 4.04% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $205 | — | $205 | 2.70% |
| JAMES DOMINIC FERNANDEZ3 | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $28 | — | $28 | 0.37% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $154 | — | $154 | 5.42% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | ALLSTATE BENEFITS | $110 | — | $110 | 3.87% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $79 | — | $79 | 2.78% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD STE H-1 NEW CASTLE, PA 16105 | ALLSTATE BENEFITS | $31 | — | $31 | 1.09% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | ALLSTATE BENEFITS | $9 | — | $9 | 0.32% |
| DEAN WILLIAM LEHMAN3 | 2206 N MAIN ST #253 WHEATON, IL 60187 | ALLSTATE BENEFITS | $5 | — | $5 | 0.18% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $24 | — | $24 | 1.22% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $20 | — | $20 | 1.02% |
| JAMES DOMINIC FERNANDEZ3 | 4427 MAPLEPARK RD STOW, OH 44224 | ALLSTATE BENEFITS | $4 | — | $4 | 0.20% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | ALLSTATE BENEFITS | $2 | — | $2 | 0.10% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | ALLSTATE BENEFITS | $94 | — | $94 | 9.33% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKENSON II | 6001 COCHRAN RD STE 400 SOLON, OH 44139 | ALLSTATE BENEFITS | $5 | — | $5 | 0.50% |
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 | 639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 345 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 345 | $1.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 345 | $1.7M |
| Life insurance(6 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 318 | $76K |
| Short-term disability(6 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 318 | $75K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 92 | $39K |
| Other(4 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 97 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.