| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE., E STE. 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $16K | $24K | 8.14% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL EIN 34-0648820 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $665K |
| FORTY FOUR CORPORATION EIN 34-6029682 RELATED COMPANY | Other fees Service code 99 | — | $476K |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $212K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Other services; Direct payment from the plan Service code 49 | — | $200K |
| NATIONAL INVESTMENT SERVICES (NIS) EIN 04-3044983 NONE | Investment management; Direct payment from the plan Service code 28 | 777 E. WISCONSIN AVE MILWAUKEE, WI 53202 | $150K |
| THE JAMES B OSWALD COMPANY EIN 34-0445620 NONE | Insurance agents and brokers; Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | $108K |
| DANNY MILENKOVSKI EIN 31-6029682 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| MICHAEL WILCHER EIN 31-6029682 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| FAULKNER HOFFMAN PHILLIPS LLC EIN 45-1540483 NONE | Direct payment from the plan; Legal Service code 29 | — | $66K |
| DANIELA JANCESKI EIN 31-6029682 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| DELTA DENTAL PLAN OF OHIO EIN 31-0685339 NONE | Direct payment from the plan; Claims processing Service code 12 | P.O. BOX 9085 FARMINGTON HILLS, MI 48333 | $55K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 720 E BUTTERFIELD RD 320 LOMBARD, IL 60148 | $41K |
| HUNTINGTON NATIONAL BANK EIN 31-1232181 NONE | Direct payment from the plan; Investment management Service code 28 | 17 SOUTH HIGH STREET COLUMBUS, OH 43216 | $39K |
| DGPERRY PLLC EIN 83-3033790 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| M&S PRINTMEDIA NONE | Direct payment from the plan; Copying and duplicating Service code 36 | PO BOX 81728 ROCHESTER, MI 48308 | $22K |
| NATIONAL VISION ADMINISTRATORS, LLC NONE | Claims processing; Direct payment from the plan Service code 12 | 1200 ROUTE 46 WEST WEST CLIFTON, NJ 07013 | $13K |
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 | 2,554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,537 | $301K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,537 | $301K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,636 | $158K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,537 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,537 | — |
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.