| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | MEDICAL MUTUAL | $70K | $25K | $96K | 3.78% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.02% |
| CREATIVE INSURANCE SOLUTIONS3 | 35660 S HUNTINGTON SOLON, OH 44139 | UNION SECURITY INSURANCE COMPANY | $15K | — | $15K | 15.42% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | UNION SECURITY INSURANCE COMPANY | — | $4K | $4K | 3.74% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $557 | — | $557 | 0.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 12.13% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $192 | $192 | 0.35% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.50% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $68 | $68 | 0.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $716 | $2K | 21.19% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $39 | $39 | 0.34% |
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 | 334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 259 | $2.5M |
| Dental | DELTA DENTAL OF OHIO | 384 | $109K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 299 | $114K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 95 | $94K |
| Long-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 95 | $110K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 299 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.