| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $23K | $2K | $25K | 1.83% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $13K | — | $13K | 0.95% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC., STEPHEN ASHE | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | DELTA DENTAL OF OHIO | $4K | — | $4K | 8.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE. 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 9.60% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. STE. 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.17% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD. STE. 640 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.45% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. STE. 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.20% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD. STE. 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $934 | $3K | 9.51% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 8044 MONTGOMERY RD. STE. 640 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.12% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD. STE. 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES&HORAN SECURITIES | TOWERS OF KENWOOD CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | — | $1K | 5.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTRE CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $991 | — | $991 | 5.22% |
| PML INC3 | 11410 STONECREEK DR PICKERINGTON, OH 43147 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 15.81% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE. 1500 CLEVELAND, OH 44114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $596 | — | $596 | 8.77% |
| EMPLOYEE BENEFITS MANAGEMENT INC3 Filed as: EMPLOYEE BENEFITS MANAGEMENT | 201 S COURT ST STE. 700 FLORENCE, AL 35630 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 0.47% |
| RICHARD L INGLE JR3 | 1402 TWIN SPIRES DR BATAVIA, OH 45103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 0.41% |
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 | 180 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 326 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 330 | $56K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 326 | $1.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $47K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 326 | $1.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.