| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $197K | $70K | $267K | 4.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | JOHN HANCOCK | $34K | — | $34K | 3.31% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $118K | — | $118K | 12.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 8.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE., #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $745 | $3K | 27.52% |
| ASSUREX3 | 175 S. THIRD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $333 | $333 | 3.16% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W | 277 DARTMOUTH ST. 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $75 | $130 | 3.52% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | 11225 N. COMMUNITY HOUSE RD. CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.11% |
| DORMAN FARRELL BENEFITS AGENCY, LLC3 Filed as: DORMAN FARRELL BENEFITS AGENCY LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.62% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $6 | $13 | 0.35% |
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 | 20,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,148 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,428 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 62 | $2.1M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 1,393 | $969K |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE - COMBINED INSURANCE COMPANY OF AMERICA | 33,525 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 32,882 | $5.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $199K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 60 | $1.3M |
| Other(7 contracts, 5 carriers) | JOHN HANCOCK | 20,947 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,525 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.