| 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 | $0 | $59 | $59 | 0.02% |
| THE SEGAL COMPANY3 | 1111 SUPERIOR AVE. CLEVELAND, OH 44114 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL EIN 34-0648820 NONE | Insurance services Service code 23 | — | $811K |
| FORTY FOUR CORPORATION EIN 34-6029682 NONE | Other fees Service code 99 | — | $503K |
| DANIELA JANCESKI EIN 31-6029682 EMPLOYEE | Employee (plan) Service code 30 | — | $142K |
| NATIONAL INVESTMENT SERVICES (NIS) NONE | Investment management Service code 28 | 777 E. WISCONSIN AVE SUITE 2350 MILWAUKEE, WI 53202 | $137K |
| THE JAMES B OSWALD COMPANY NONE | Consulting (general) Service code 16 | 1100 SUPERIOR AVEUNE CLEVELAND, OH 44114 | $88K |
| DANNY MILENKOVSKI EIN 31-6029682 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| M&S PRINTMEDIA, INC NONE | Other services Service code 49 | 732 BROOKWOOD LANE E ROCHESTER HILLS, MI 48309 | $53K |
| CLARK SCHAEFER HACKETT EIN 31-0800053 NONE | Accounting (including auditing) Service code 10 | — | $48K |
| FAULKNER HOFFMAN PHILLIPS LLC EIN 45-1540483 NONE | Legal Service code 29 | — | $47K |
| IMPACT SOLUTIONS EAP NONE | Insurance services Service code 23 | 23240 CHAGRIN BLVD CLEVELAND, OH 44122 | $44K |
| DELTA DENTAL PLAN OF OHIO NONE | Insurance services Service code 23 | P.O. BOX 9085 FARMINGTON HILLS, MI 48333 | $44K |
| STRATEGIC CAPITAL INVESTMENT ADVISO NONE | Investment advisory (plan) Service code 27 | 1010 JORIE BLVD #240 OAK BROOK, IL 60523 | $40K |
| HUNTINGTON NATIONAL BANK NONE | Investment management Service code 28 | 17 SOUTH HIGH STREET COLUMBUS, OH 43216 | $26K |
| SEGAL CONSULTING CO EIN 31-1975125 NONE | Consulting (general) Service code 16 | — | $22K |
| US BANK EQUIPMENT FINANCE NONE | Other services Service code 49 | P.O. BOX 790448 ST. LOUIS, MO 63179 | $22K |
| COMPUTOL INC NONE | Other services Service code 49 | 118 E. 3RD STREET PERRYSBURG, OH 43551 | $15K |
| NATIONAL VISION ADMINISTRATORS, LLC NONE | Insurance services Service code 23 | 1200 ROUTE 46 WEST WEST CLIFTON, NJ 07013 | $12K |
| PURCHASE POWER NONE | Other services Service code 49 | 27475 HOLIDAY LN #6 PERRYSBUG, OH 43551 | $7K |
| BUCKEYE TELESYSTEMS INC EIN 31-1560010 NONE | Other services Service code 49 | — | $6K |
| DORI ELLIS EIN 31-6029682 EMPLOYEE | Employee (plan) Service code 30 | — | $6K |
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 | 2,754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $308K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 2,419 | $330K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 2,419 | $330K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,787 | $140K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 2,419 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,787 | — |
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.