| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 950 MAIN AVE. STE 1800 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 4.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 2.77% |
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR OSWALD, LLC | 1100 SUPERIOR AVENUE, SUITE 1300 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.36% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STREET, SUITE 3800 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $166 | — | $166 | 0.53% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | — | $97 | 0.31% |
| EILEEN J. BOLAND3 | 28030 WEST OAKLAND ROAD BAY VILLAGE, OH 44140 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | — | $65 | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.08% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8 | $8 | 0.03% |
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 | 1,394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,756 | $564K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,355 | $764K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,355 | $764K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,355 | $764K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,361 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,756 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.