| 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 | $10K | $8K | $18K | 0.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | — | $4K | $4K | 0.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $13K | 18.05% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $247 | $247 | 0.35% |
| 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 | $2K | $11K | 18.11% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $212 | $212 | 0.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.93% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $157 | $157 | 0.35% |
| 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 | $662 | $3K | 12.60% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $68 | $68 | 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 | $286 | — | $286 | 1.99% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $280 | — | $280 | 1.94% |
| NICK GIANCOLA3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 1.03% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 0.86% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 0.74% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.17% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST 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 GILLIS3 | 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 | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 1.93% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 1.47% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 1.38% |
| JAMES REDMOND3 Filed as: JAMES D FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.30% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| NICK GIANCOLA | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 2.46% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 2.14% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD, SUITE1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.08% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.33% |
| DAVID DICKENSON III3 Filed as: DAVID DICKENSON II | 6325 COCHRAN ROAD, SUITE I SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 1.30% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 1.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.14% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUNS INS LLC | 6155 PARK SQUARE DRIVE SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.12% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $293 | — | $293 | 10.57% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD SUITE 1 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 | 2.37% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 1.92% |
| GCG FINANCIAL LLC3 Filed as: DAVID DICKERSON III | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.07% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS. LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.89% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.31% |
| DEAN WILLIAM LEHMAN3 | 2206 N MAIN STREET 253 WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.13% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| DAVID DICKENSON III3 | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.25% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BFTS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.10% |
| JAMES REDMOND3 Filed as: JAMES D FERNANDEZ | 4427 MAPLEPARK ROAD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.16% |
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 | 603 | 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) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 603 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 603 | $3.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 603 | $3.1M |
| Life insurance(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 468 | $90K |
| Short-term disability(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $72K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $60K |
| Other(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 468 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.