| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | $55K | — | $55K | 2.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 16.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $975 | $9K | 16.94% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $657 | $6K | 16.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $391 | $2K | 11.62% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | — | $298 | 1.73% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $285 | — | $285 | 1.65% |
| NICK GIANCOLA3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 0.86% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 0.79% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 0.66% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.15% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MALCOLM VARNER3 | 116 - D WOODLAND DRIVE LANCASTER, SC 29720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JAMES CARLTON GILLIS | PO BOX 987 LANCASTER, SC 29721 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KANAWHA FINANCIAL SERVICES3 | 116 - D WOODLAND DRIVE LANCASTER, SC 29720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JAMES REDMOND Filed as: JAMES D. FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOSEPH GORTZ3 | 5574 BARNEY DRIVE DUBLIN, OH 43016 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 1.86% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 1.86% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 1.46% |
| JAMES REDMOND3 Filed as: JAMES D FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.34% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.32% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 2.09% |
| NICK GIANCOLA | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 1.83% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.95% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6325 COCHRAN ROAD, SUITE I SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.67% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD, SUITE1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 1.66% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 1.58% |
| GCG FINANCIAL LLC3 Filed as: DAVID DICKERSON III | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.86% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS. LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.57% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.17% |
| DEAN WILLIAM LEHMAN3 | 2206 N MAIN STREET 253 WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $370 | — | $370 | 10.91% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.12% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.23% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI BOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 1.00% |
| JAMES REDMOND3 Filed as: JAMES D FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.23% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 443 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 443 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 443 | $2.6M |
| Life insurance(7 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $93K |
| Short-term disability(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $72K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $50K |
| Other(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.