| 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 | $33K | $4K | $36K | 2.10% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $11K | — | $11K | 0.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 4.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $306 | $3K | 16.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $403 | $3K | 17.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.11% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $252 | $2K | 11.87% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 300 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $125K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 245 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $21K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.