| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVENUE STE 1800 CLEVELAND, OH 44113 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 4.12% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 2.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVENUE STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 11.70% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.03% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.24% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.11% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.11% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | AFLAC | $620 | — | $620 | 5.24% |
| SHAWN HEITNER3 | 3602 GLENCAIRN RD. SHAKER HEIGHTS, OH 44122 | AFLAC | $490 | — | $490 | 4.14% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J JUNIKIEWICZ JR. | 22 BROOK HOLLOW DR. SINKING SPRING, PA 19608 | AFLAC | $342 | $4 | $346 | 2.92% |
| CARL D SHELOW3 | 4 TRENT LN NORRISTOWN, PA 19401 | AFLAC | $192 | $3 | $195 | 1.65% |
| JOHN JOSEPH PATRICK3 | 211 LEWIS FARM DR. COCHRANVILLE, PA 19330 | AFLAC | $181 | $6 | $187 | 1.58% |
| MICHAEL KAMINSKI3 Filed as: MICHAEL C KAMINSKI | 13509 SCHREIBER RD CLEVELAND, OH 44125 | AFLAC | $126 | — | $126 | 1.06% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFITS SOLUTIONS | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $94 | $3 | $97 | 0.82% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $86 | — | $86 | 0.73% |
| KAYELA FORD3 | 976 YESTERDAY LN MEDINA, OH 44256 | AFLAC | $72 | — | $72 | 0.61% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D WILLIAMS JR. | 325 CHESTNUT ST. STE 8 PHILADELPHIA, PA 19106 | AFLAC | $23 | — | $23 | 0.19% |
| MATTHEW HANLON3 | 529 FAYETTE ST. STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $17 | — | $17 | 0.14% |
| WILLIAM JOHNSON3 | 907 WEDGEWOOD WAY ATCO, NJ 08004 | AFLAC | $17 | — | $17 | 0.14% |
| AMANDA C LONG3 | 4225 N HONEYTOWN RD SMITHVILLE, OH 44677 | AFLAC | $16 | — | $16 | 0.14% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $14 | — | $14 | 0.12% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOCIATES INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $3 | — | $3 | 0.03% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.03% |
| CARSON C PURIEFOY JR3 | PO BOX 301 WENONAH, NJ 08090 | AFLAC | $2 | — | $2 | 0.02% |
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 | 359 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 520 | $150K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 428 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $92K |
| Short-term disability | AFLAC | 17 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $44K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.