| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 GRANDVIEW HEIGHTS, OH 43212 | COMMUNITY INSURANCE COMPANY | $35K | $159 | $35K | 3.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $22K | — | $22K | 2.23% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| WEBB INSURANCE AGENCY3 | 212 W HIGH STREET LIMA, OH 45802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.60% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $119 | $1K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. COLUMBUS | 775 YARD ST. SUITE 200 COLUMBUS, OH 43212 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $665 | — | $665 | 15.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA STREET FLOOR 7 LOS ANGELES, CA 90017 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $202 | $202 | 4.56% |
| OBS1 - CARDINAL BROKERAGE CENTRAL3 | 9482 WEDGEWOOD BLVD SUITE 200 POWELL, OH 43065 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $67 | $67 | 1.51% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 109 | $1.0M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 159 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $27K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 159 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.