| 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 | $63K | $5K | $67K | 2.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $743 | $10K | 16.17% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $679 | $9K | 16.17% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $466 | $6K | 16.22% |
| 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 | $276 | $2K | 10.86% |
| 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 | 2.00% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $278 | — | $278 | 1.87% |
| NICK GIANCOLA3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 0.99% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.93% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 0.76% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.16% |
| 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% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 2.15% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 1.65% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 1.63% |
| JAMES REDMOND3 Filed as: JAMES D FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.36% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.23% |
| NICK GIANCOLA | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 2.60% |
| 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 | 1.35% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6325 COCHRAN ROAD, SUITE I SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 1.35% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.89% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD, SUITE1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.73% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.15% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $293 | — | $293 | 10.57% |
| DAVID DICKENSON III3 | 6001 COCHRAN ROAD SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.14% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 2.14% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 2.06% |
| GCG FINANCIAL LLC3 Filed as: DAVID DICKERSON III | 6001 COCHRAN ROAD, SUITE 400 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 1.09% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS. LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.81% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.28% |
| DEAN WILLIAM LEHMAN3 | 2206 N MAIN STREET 253 WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| 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 | $2 | — | $2 | 0.12% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 456 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 456 | $2.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 456 | $2.7M |
| Life insurance(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $86K |
| Short-term disability(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $67K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $58K |
| Other(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.