| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD. CINCINNATI, OH 45211 | COMMUNITY INSURANCE COMPANY | $33K | $2K | $35K | 4.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $6K | — | $6K | 0.77% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD. CINCINNATI, OH 45211 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 5.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 2.10% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD. CINCINNATI, OH 45211 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $820 | $4K | 13.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $342 | — | $342 | 1.19% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD. CINCINNATI, OH 45211 | EYEMED VISION CARE | $484 | — | $484 | 3.32% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | EYEMED VISION CARE | $449 | — | $449 | 3.08% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 244 | $829K |
| Dental | DENTAL CARE PLUS, INC. | 272 | $75K |
| Vision | EYEMED VISION CARE | 262 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $29K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $29K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $29K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.