| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR OSWALD CENTRE CLEVELAND, OH 44114 | MEDICAL MUTUAL | $72K | $44K | $117K | 2.60% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | MEDICAL MUTUAL | $21K | $1 | $21K | 0.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR CLEVELAND, OH 44114 | MEDMUTUAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.95% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | MEDMUTUAL LIFE INSURANCE COMPANY | $2K | $654 | $3K | 4.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | 1106 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LN. CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 0.77% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.53% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.36% |
| TIANA HOCHSTETLER3 | 1133 MEDINA ROAD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.34% |
| LINDA R MENDEZ3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.22% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.22% |
| DOUGLAS LANDENBERGER3 Filed as: DOUGLAS C LANDENBERGER | 4914 BRITTON FARMS CT HILLIARD, OH 43026 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.20% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APT 144 CINNCINATTI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.14% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.14% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.13% |
| GINA GEIGER ENTERPRISES LLC3 | 2620 LIBERTY ELLERTON RD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| ASHLEY GRASER3 Filed as: ASHLEY L GRASER | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.10% |
| A C LONG & ASSOCIATES INC3 Filed as: A.C. LONG & ASSOCIATES INC. | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| MARI GYURCSIK3 Filed as: MARI L GYURCSIK | 445 HUTCHINSON AVE #820 COLUMBUS, OH 43209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DR #222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| CARRIE L CARTER3 | 4433 38TH ST NW STE 4 CANTON, OH 44718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY, JR | 9465 RIVIERA DR UNION, KY 41091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| COREY J JONES3 | 2400 HENNYDE ROAD NE WARREN, OH 44484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| KRISTY S BURDUE3 | 1306 MELODY LANE SANDUSKY, OH 44870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| KRISTEN EDGE3 Filed as: KRISTEN M SPINOSO | 24860 KENNEDY RIDGE RD #103 NORTH OLMSTED, OH 44070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B LOMBARDOZZI | 5329 GARGASZ DR LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| MICHAEL A RIST3 | 1103 SCHROCK RD SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| DEBORAH LYNN SOLYAN3 Filed as: DEBORAH L SOLYAN | 3494 GRANTON AVE CLEVELAND, OH 44111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| REGINA C WILLIAMS3 | 941 LANTERMAN AVE YOUNGSTOWN, OH 44511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| AMY C O'CONNOR3 | 4118 GAGE WAY TIPP CITY, OH 45371 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| JAMES J SQUIRE3 | 2438 CRESTVIEW WOODS CT NEWARK, OH 43055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| MARK L HENDERSON3 | 8155 GARNET AVE NE CANTON, OH 44718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DARREN L BRUNO3 | 7542 STONE LAKE DR DUBLIN, OH 43016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| PAUL D QUILLIN3 | 955 WINDHAM CT YOUNGSTOWN, OH 44512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| CHRISTOPHER BINKLEY3 | 5655 SUMMER BLVD GALENA, OH 43021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RONALD J STEIN3 | 8800 LYRA DR STE 220 COLUMBUS, OH 43240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| KIMBERLY NIETO3 Filed as: KIMBERLY K NIETO | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| THOMAS WESLEY3 Filed as: THOMAS J WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CHRISTOPHER KOSCHACK3 | 47597 BELL SCHOOL RD EAST LIVERPOOL, OH 43920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOSEPH OMLOR3 | 2740 AIRPORT DR STE 170 COLUMBUS, OH 43219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TINA MILNER3 Filed as: TINA S MILNER | PO BOX 668 WARREN, OH 44482 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RONALD L HUGGINS JR3 | 5204 WOLF RUN DR COLUMBUS, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANGELA M MEEKS3 | 4382 HAMANN PARKWAY WILLOUGHBY, OH 44094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $57 | $8 | $65 | 29.68% |
| MASS GROUP MARKETING INC3 | 2121 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | — | $44 | $44 | 20.09% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $9 | — | $9 | 4.11% |
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 | 444 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 410 | $4.5M |
| Dental | MEDICAL MUTUAL | 410 | $4.5M |
| Vision | MEDICAL MUTUAL | 410 | $4.5M |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 444 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 9 | $219 |
| Prescription drug | MEDICAL MUTUAL | 410 | $4.5M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 294 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.