| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (ANTHEM) | $21K | $5K | $27K | 3.79% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $1K | $10K | 4.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $284 | — | $284 | 0.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HEALTHSPAN INTEGRATED CARE | $2K | — | $2K | 3.38% |
| BRENDA K COX3 | 9661 REYNOLDS ROAD NEWARK, OH 43055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $655 | $3K | 6.71% |
| JAMES B PATTERSON3 | 3550 BRIARWOOD DR WOOSTER, OH 44691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | — | $564 | 1.32% |
| DIANA GILLESPIE3 | 3706 VALLEY FORGE DR. STOW, OH 44224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.22% |
| DAVID L DUNCAN3 | 3106 DREW DRIVE HAMILTON, OH 45011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.21% |
| BRENDA BOWLING-MORROW3 | 7525 WEST MOORESVILLE ROAD CAMBY, IN 46113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $1 | $68 | 0.16% |
| MERRILL W SCHOENROCK3 Filed as: MERRILL W. SCHOENROCK | PO BOX 50682 INDIANAPOLIS, IN 46250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| DAVID L SMELCER3 | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| CAROL JANE RILEY3 | 489 FAIR AVENUE SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| VOLUNTARY BENEFIT PLANS LLC3 Filed as: VOLUNTARY BENEFIT PLAN, LLC | 2345 S. LYNHURST DRIVE INDIANAPOLIS, IN 46241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $4K | $1K | $5K | 16.21% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.24% |
| MARK M RUZIC3 | M.R. INSURANCE 13609 DREXMORE ROAD CLEVELAND, OH 44120 | UNITED AMERICAN INSURANCE COMPANY | $242 | — | $242 | 1.12% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STERLING LIFE - MED D RX | $1K | — | $1K | 11.46% |
| MARK M RUZIC3 | 13609 DREXMORE ROAD CLEVELAND, OH 44120 | STERLING LIFE - MED D RX | $256 | — | $256 | 2.03% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | COMMUNITY INSURANCE COMPANY (ANTHEM) | 122 | $1.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 73 | $53K |
| Vision | COMMUNITY INSURANCE COMPANY (ANTHEM) | 122 | $701K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 143 | $72K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 143 | $30K |
| Prescription drug | STERLING LIFE - MED D RX | 6 | $13K |
| Stop-loss / reinsurancereinsurance | STERLING LIFE - MED D RX | 6 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
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.