| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | C/O NORTHERN TRUST - DB CHICAGO, IL 60675 | DELTA DENTAL OF OHIO | $40K | — | $40K | 9.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955909 ST. LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 10.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.07% |
| AON CONSULTING INC3 | PO BOX 551343 ATLANTA, GA 30533 | STANDARD INSURANCE COMPANY | $78K | — | $78K | 40.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 3550 LENOX RD. NE 31700 EXB ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | $68K | — | $68K | 35.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $11K | $36K | 20.56% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST. STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK WILLIAMS | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $242 | $469 | 0.27% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL, SUITE 403 BOCO RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $267 | $267 | 0.15% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $1 | $71 | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 1900 16TH STREET, SUITE 100 DENVER, CO 80202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CLEVELAND OH | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | — | $8K | 10.72% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE C/O OSWALD CTR SUITE 1500 CLEVELAND, OH 441142544 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $642 | $2K | 24.10% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST. SUITE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $53 | $53 | 0.58% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $480 | $2K | 19.84% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK WILLIAMS III | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $125 | $246 | 3.12% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $96 | $96 | 1.22% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST. SUITE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $53 | $53 | 0.67% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 60.01% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 441142544 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $107 | $284 | 14.19% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $82 | $82 | 4.10% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 2.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $7 | $31 | 19.75% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST. STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 1.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17 | $5 | $22 | 20.00% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST. SUITE 360 COLUMBUS, OH 43215 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2 | $2 | 1.82% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,133 | $440K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 947 | $71K |
| Life insurance(3 contracts, 3 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 647 | $913K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $17K |
| Long-term disability(9 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 727 | $680K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 647 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.