| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $43K | — | $43K | 2.12% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19 | — | $19 | 0.00% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTIN INC | — | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD #300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 349 NATIONWIDE BOULEVARD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| GROUP BENEFITS SPECIALISTS INC3 | 5151 REED ROAD #100A COLUMBUS, OH 43220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD #300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 349 NATIONWIDE BOULEVARD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| GROUP BENEFITS SPECIALISTS INC3 | 5151 REED ROAD #100A COLUMBUS, OH 43220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD #300 WORTHINGTON, OH 43052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.08% |
| GROUP BENEFIT SPECIALISTS INC3 | 5151 REED ROAD #100A COLUMBUS, OH 43220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $933 | — | $933 | 2.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 349 WEST NATIONWIDE BOULEVARD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $885 | — | $885 | 2.39% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD #300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 349 NATIONWIDE BOULEVARD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $275 | — | $275 | 0.84% |
| GROUP BENEFITS SPECIALISTS INC3 | 5151 REED ROAD #100A COLUMBUS, OH 43220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $272 | — | $272 | 0.83% |
| EDWARD D SOMMER3 Filed as: EDWARD D.A. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | EYEMED VISION CARE | $877 | — | $877 | 5.00% |
| GROUP BENEFIT SPECIALISTS INC3 Filed as: GROUP BENEFIT SPECIALISTS, INC. | 5151 REED ROAD SUITE 100A COLUMBUS, OH 43220 | EYEMED VISION CARE | $441 | — | $441 | 2.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $298 | — | $298 | 1.70% |
| EDWARD D SOMMER3 Filed as: EDWARD D.A. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | EYEMED VISION CARE | $1K | — | $1K | 9.87% |
| JAMES A VANDIVER3 Filed as: JAMES RYAN | 1429 KING AVENUE COLUMBUS, OH 43212 | ALLSTATE | $332 | — | $332 | 3.52% |
| KATIE MIRACLE AGENCY3 Filed as: KATIE MIRACLE | 112 RICH ROAD LOVELAND, OH 45140 | ALLSTATE | $285 | — | $285 | 3.02% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $257 | — | $257 | 2.72% |
| MARK L HUFHAND3 | 1300 CHRISTMAS SEAL DRIVE NORTHWEST CANTON, OH 44709 | ALLSTATE | $126 | — | $126 | 1.33% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE DRIVE SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $120 | — | $120 | 1.27% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 45385 | ALLSTATE | $67 | — | $67 | 0.71% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | ALLSTATE | $22 | — | $22 | 0.23% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 186 | $2.0M |
| Dental | COMMUNITY INSURANCE COMPANY | 187 | $113K |
| Vision(2 contracts) | EYEMED VISION CARE | 272 | $28K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $78K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $52K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.