| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $160K | $46K | $205K | 13.75% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $0 | $48K | 3.18% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $31K | $31K | 2.05% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC. | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 1.41% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $33K | $615 | $33K | 4.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | DELTA DENTAL OF OHIO | $18K | $0 | $18K | 2.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $50K | $0 | $50K | 14.98% |
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 | 1,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 2,783 | $794K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,418 | $331K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,885 | $1.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,885 | $1.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,885 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,885 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,783 | — |
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.