| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY | $21K | $930 | $22K | 1.90% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $21K | — | $21K | 1.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET SUITE 200 GRANDVIEW HEIGHTS, OH 43212 | COMMUNITY INSURANCE COMPANY | $7K | $977 | $8K | 0.67% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $395 | — | $395 | 0.03% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $537 | $3K | 3.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $133 | $3K | 8.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $667 | — | $667 | 1.92% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $172 | $2K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $447 | — | $447 | 1.60% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | VISION SERVICE PLAN | $770 | — | $770 | 4.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $307 | — | $307 | 1.60% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $95 | $2K | 12.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $383 | — | $383 | 2.41% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $735 | — | $735 | 12.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | PO BOX 93234 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133 | $11 | $144 | 2.49% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 75 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 96 | $86K |
| Vision | VISION SERVICE PLAN | 90 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $35K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $28K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $16K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.