| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $6K | $25K | 13.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $5K | $28K | 18.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $5K | $20K | 13.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $12K | $17K | 19.77% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $11K | $15K | 19.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $7K | $16K | 27.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 65.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 65.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BERSON-SOKOL AGENCY INC3 Filed as: BERSON-SOKOL AGENCY INC. | PO BOX 22129 CLEVELAND, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $647 | — | $647 | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $971 | $860 | $2K | 28.28% |
| MICHAEL R COPPOLA JR3 | 2857 RIVIERA DRIVE FAIRLAWN, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 2.37% |
| BRUNSWICK INSURANCE AGENCY INC3 | PO BOX 28 AKRON, OH 44309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 1.48% |
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 | 1,491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,482 | $258K |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,519 | $446K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,448 | $276K |
| Other(10 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,519 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,482 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.