| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $54K | $0 | $54K | 2.42% |
| MARC J LASCESKI3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 0.81% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.14% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 2.29% |
| MARC J LASCESKI3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $2K | $0 | $2K | 0.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $0 | $78 | $78 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.62% |
| 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 | $0 | $2K | $2K | 4.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $743 | $0 | $743 | 1.60% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 353 W NATIONWIDE BLVD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $559 | $0 | $559 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.66% |
| 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 | $0 | $2K | $2K | 4.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $488 | $0 | $488 | 1.11% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 353 W NATIONWIDE BLVD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $283 | $0 | $283 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.19% |
| 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 | $0 | $1K | $1K | 4.69% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $799 | $0 | $799 | 2.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 353 W NATIONWIDE BLVD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $402 | $0 | $402 | 1.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | EYEMED | $883 | $0 | $883 | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.90% |
| 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 | $0 | $1K | $1K | 4.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $370 | $0 | $370 | 1.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 353 W NATIONWIDE BLVD COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $200 | $0 | $200 | 0.88% |
| TRIONFO3 | 333 WEST PIERCE RD, STE 190 ITASCA, IL 60143 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $5K | $7K | 43.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 47.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $118 | $3K | 17.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 48.16% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $118 | $2K | 17.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 51.86% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 39572 WOODWARD AVE STE 201 BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $118 | $1K | 19.73% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 406 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 406 | $2.2M |
| Vision | EYEMED | 371 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $46K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 406 | $2.5M |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.