| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $18K | $249K | $267K | 1.13% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC. | 4990 E GALBRAITH ROAD CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $134K | $10K | $144K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC. | 3931 S. DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $55K | $171 | $55K | 0.23% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC. | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $47K | $2K | $49K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 400 NORTH EXECUTIVE DRIVE SUITE 30 BROOKFIELD, WA 53005 | COMMUNITY INSURANCE COMPANY | $38K | $3K | $41K | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BLVD. JEFFERSONVILLE, IN 47130 | COMMUNITY INSURANCE COMPANY | $22K | $1K | $23K | 0.10% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OK 44143 | COMMUNITY INSURANCE COMPANY | $20K | $0 | $20K | 0.09% |
| BENEFITS ANALYSIS CORPORATION3 Filed as: BENEFITS ANALYSIS AGENCYCORPORATION | 101 W WATER STREET TROY, OH 45373 | COMMUNITY INSURANCE COMPANY | $14K | $1K | $15K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 400 NORTH EXECUTIVE DRIVE SUITE 30 BROOKFIELD, WI 53005 | COMMUNITY INSURANCE COMPANY | $38K | $3K | $41K | 2.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $24K | $24K | 1.46% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OK 44143 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $61 | $22K | 9.81% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON MIDWEST INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.90% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.64% |
| EDWARD D SOMMER3 Filed as: EDWARD D.A. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $159 | $0 | $159 | 0.64% |
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 | 494 | 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) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COMMUNITY INSURANCE COMPANY | 3,117 | $25.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $228K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 3,117 | $23.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $228K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $228K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $228K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.