| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN J BALTAS3 | 1100 SUPERIOR AVE., STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $98K | $110K | 20.32% |
| MARC J LASCESKI3 Filed as: MARC S LASCESKI | 1100 SUPERIOR AVE., STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE. E, STE 1500 CLEVELAND, OH 441142544 | UNITED OF OMAHA LIFE INSURANCE CO | $11K | $2K | $13K | 14.29% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE. E, STE 1500 CLEVELAND, OH 441142544 | UNITED OF OMAHA LIFE INSURANCE CO | $10K | $2K | $12K | 14.11% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE. E, STE 1500 CLEVELAND, OH 441142544 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $1K | $5K | 12.80% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | VSP VISION SERVICE PLAN | $1K | — | $1K | 4.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE. E, STE 1500 CLEVELAND, OH 441142544 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $230 | $1K | 14.41% |
| JAMES A SMAARDYK Filed as: JAMES M. TAYLOR | 1038 BOUNDARY BLVD ROTONDA, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 1.39% |
| MARY LOU TAYLOR | 1038 BOUNDARY BLVD ROTONDA, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.93% |
| LAURA ANN MARSHALL | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.46% |
| DAVID L SMELCER Filed as: DAVID L. SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.31% |
| DIANNA LYNN ATCHISON | 225 E DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Insurance services; Claims processing; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $241K |
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 | 424 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 311 | $542K |
| Dental | DELTA DENTAL OF MICHIGAN | 686 | $259K |
| Vision | VSP VISION SERVICE PLAN | 219 | $28K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 420 | $96K |
| Short-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 579 | $185K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 420 | $42K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 311 | $542K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 311 | $542K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 420 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.