| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $11K | $6K | $18K | 3.39% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $158 | $0 | $158 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $12K | $8K | $20K | 4.22% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $489 | $0 | $489 | 0.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $10K | $2K | $12K | 4.66% |
| THE DANCY GROUP LLC3 | 150 EAST MOUND STREET, SUITE 202 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 13.53% |
| CHRISTOPHER THOMAS SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $544 | $5K | 2.76% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | HUMANA INSURANCE COMPANY | $3K | $166 | $3K | 9.22% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 244 | $1.3M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 241 | $556K |
| Vision(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 244 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $186K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $186K |
| Prescription drug(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 244 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.