| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | HCC LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $357K |
| HCC LIFE INSURANCE COMPANY EIN 35-1817054 STOP LOSS INSURANCE | Insurance services Service code 23 | 225 TOWNPARK DR 350 KENNESAW, GA 30144 | $229K |
| BENESYS, INC. EIN 34-1787882 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 33 FITCH BLVD AUSTINTOWN, OH 44515 | $63K |
| LEDBETTER PARISI LLC EIN 03-0599899 ATTORNEY | Legal Service code 29 | 9240 MARKET PLACE DRIVE MIAMISBURG, OH 45342 | $37K |
| MOSIER AND ASSOCIATES CPAS INC EIN 47-1912410 AUDITOR | Accounting (including auditing) Service code 10 | 180 E SPRING VALLEY B CENTERVILLE, OH 45458 | $24K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 ACTUARY | Actuarial Service code 11 | 11590 N MERIDAN ST 610 CARMEL, IN 460324529 | $16K |
| FIFTH THIRD BANK RETIREMENT SERVICE EIN 31-1051736 INVESTMENT MANAGEMENT | Investment management Service code 28 | 1 SOUTH MAIN STREET DAYTON, OH 45402 | $16K |
| ARTHUR J GALLAGHER RISK MGT SERV EIN 36-2102482 LIABILITY INSURANCE | Insurance agents and brokers Service code 22 | 201 E 4TH ST, SUITE 625 CINCINNATI, OH 45202 | $9K |
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 | 752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,934 | $367K |
| Dental | CIGNA | 326 | $129K |
| Vision | EYEMED VISION CARE | 1,954 | $35K |
| Prescription drug(2 contracts, 2 carriers) | ENVISIONRX | 2,025 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 754 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,025 | — |
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."
No prospect flags tripped on this filing.