| 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 | $2K | $2K | $4K | 0.87% |
| 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 | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL EIN 34-0648820 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $643K |
| FORTY FOUR CORPORATION EIN 34-6029682 RELATED COMPANY | Other fees Service code 99 | — | $450K |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $293K |
| DANIELA JANCESKI EIN 31-6029682 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $171K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Direct payment from the plan; Other services Service code 49 | — | $143K |
| NATIONAL INVESTMENT SERVICES (NIS) NONE | Investment management; Direct payment from the plan Service code 28 | 777 E. WISCONSIN AVE MILWAUKEE, WI 53202 | $140K |
| THE JAMES B OSWALD COMPANY EIN 34-0445620 NONE | Insurance agents and brokers; Actuarial; Consulting (general); Direct payment from the plan Service code 11 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | $129K |
| DANNY MILENKOVSKI EIN 31-6029682 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| DELTA DENTAL PLAN OF OHIO NONE | Insurance services; Direct payment from the plan Service code 23 | P.O. BOX 9085 FARMINGTON HILLS, MI 48333 | $61K |
| IMPACT SOLUTIONS EAP NONE | Direct payment from the plan; Insurance services Service code 23 | 23240 CAGRIN BLVD CLEVELAND, OH 44122 | $51K |
| FAULKNER HOFFMAN PHILLIPS LLC EIN 45-1540483 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| CLARK SCHAEFER HACKETT EIN 31-0800053 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $44K |
| 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 | $40K |
| HUNTINGTON NATIONAL BANK EIN 31-1232181 NONE | Investment management; Direct payment from the plan Service code 28 | 17 SOUTH HIGH STREET COLUMBUS, OH 43216 | $31K |
| NATIONAL VISION ADMINISTRATORS, LLC NONE | Insurance services; Direct payment from the plan Service code 23 | 1200 ROUTE 46 WEST WEST CLIFTON, NJ 07013 | $14K |
| M&S PRINTMEDIA NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 81728 ROCHESTER, MI 48308 | $8K |
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 | 2,755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,537 | $440K |
| Vision | EYEMED VISION CARE | 543 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,537 | $659K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 2,320 | $219K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,722 | $156K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,537 | $665K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.