| 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 | $33K | — | $33K | 3.31% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $969 | — | $969 | 0.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $4K | $488 | $4K | 6.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - MIDWES | CINCINNATI OPCO VIRGINIA BEACH VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $638 | — | $638 | 2.54% |
| SHERRY ANN DANCY3 Filed as: SHERRY A DANCY | 150 E. MOUND ST #202 COLUMBUS, OH 43228 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.50% |
| SHERRY ANN DANCY3 Filed as: SHERRY A. DANCY | 150 E. MOUND ST., # 202 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SHERRY ANN DANCY3 Filed as: SHERRY A. DANCY | 150 E. MOUND ST., # 202 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $669 | — | $669 | 11.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | CINCINNATI, OH PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $689 | — | $689 | 11.74% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | HUMANA INSURANCE COMPANY | $494 | — | $494 | 9.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | HUMANA | $334 | — | $334 | 15.27% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 E GALBRAITH RD STE #102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $264 | — | $264 | 14.98% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | COMPBENEFITS INSURANCE COMPANY | $128 | — | $128 | 10.14% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $98 | — | $98 | 10.03% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | KANAWHA INSURANCE COMPANY | $19 | — | $19 | 3.17% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 136 | $1.1M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 106 | $38K |
| Vision(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 120 | $13K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $41K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $21K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $21K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.