| 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 | $41K | $2K | $43K | 4.31% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $9K | $998 | $10K | 4.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 5.51% |
| SHERRY ANN DANCY3 Filed as: SHERRY A. DANCY | 96 NORTH FORTH STREET COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.34% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | HUMANA INSURANCE COMPANY | $2K | $641 | $2K | 11.37% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.62% |
| SHERRY ANN DANCY3 Filed as: SHERRY A. DANCY | 150 E. MOUND ST., #202 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SHERRY ANN DANCY3 Filed as: SHERRY A. DANCY | 96 NORTH FOURTH STREET COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.32% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 E GALBRAITH RD STE #102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | COMPBENEFITS INSURANCE COMPANY | $532 | $61 | $593 | 11.03% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $397 | — | $397 | 10.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $505 | — | $505 | 14.99% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | KANAWHA INSURANCE COMPANY | $40 | $21 | $61 | 3.75% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E. GALBRAITH RD STE 102 CINCINNATI, OH 45236 | HUMANA | $99 | — | $99 | 10.03% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD #102 CINCINNATI, OH 45236 | HUMANA | -$344 | — | -$344 | — |
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)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 132 | $1.2M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 99 | $81K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 114 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $19K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $38K |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.