| 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 | $30K | $22K | $52K | 4.26% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | $0 | $1K | 0.09% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATE, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $11K | $1K | $12K | 3.41% |
| THE DANCY GROUP LLC3 Filed as: THE DANCY GROUP, LLC | 150 EAST MOUND STREET, SUITE 202 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 8.53% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $134 | $2K | 0.73% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATE, INC. | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | HUMANA INSURANCE COMPANY | $3K | $591 | $4K | 10.27% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 288 | $1.6M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 288 | $1.3M |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 288 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $259K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $259K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $259K |
| Prescription drug(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 288 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.