| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY CARE HEALTH | $46K | $5K | $50K | 1.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | COMMUNITY CARE HEALTH | $8K | — | $8K | 0.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $12K | — | $12K | 4.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | DELTA DENTAL OF OHIO | $10K | — | $10K | 4.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 950 MAIN AVE, STE 1800 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 950 MAIN AVE, STE 1800 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.56% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 950 MAIN AVE, STE 1800 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 950 MAIN AVE, STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $603 | $603 | 2.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 950 MAIN AVE, STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $548 | $548 | 3.57% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 950 MAIN AVE, STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $537 | $537 | 3.57% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE HEALTH | 530 | $3.5M |
| Dental | DELTA DENTAL OF OHIO | 665 | $248K |
| Vision | COMMUNITY CARE HEALTH | 530 | $3.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 305 | $39K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $47K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $41K |
| Prescription drug | COMMUNITY CARE HEALTH | 530 | $3.5M |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 305 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.