| 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 | $34K | $18K | $52K | 15.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $14K | $41K | 15.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $13K | $47K | 20.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 22.57% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 21.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD FINANCIAL INC | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441141715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $729 | $4K | 18.04% |
| BERSON-SOKOL AGENCY INC3 Filed as: BERSON-SOKOL AGENCY INC. | PO BOX 22129 CLEVELAND, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $704 | — | $704 | 5.00% |
| SPOTLITE INC3 | 200 E RANDOLPH STE #5450 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 25.91% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68 | — | $68 | 12.41% |
| 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 | — | $34 | $34 | 6.20% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC | 216 W OHIO FL 4 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 2.37% |
| 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 | -$2 | — | -$2 | -0.36% |
| 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% |
| SPOTLITE INC3 | 200 E RANDOLPH STE #5450 CHICAGO, IL 60601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 10.42% |
| 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 | — | $14 | $14 | 7.29% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 4.17% |
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 | 1,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,706 | 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. | 2,788 | $299K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,706 | $491K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $335K |
| Other(9 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,706 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,788 | — |
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.