| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $15K | $49K | 14.24% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $11K | $38K | 14.27% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $9K | $43K | 19.05% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $713 | $4K | 5.95% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $572 | $4K | 5.79% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $251 | $4K | 15.90% |
| MICHAEL R COPPOLA JR3 | 5957 BRIDLE CT MEDINA, OH 44256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 1.79% |
| BRUNSWICK INSURANCE AGENCY INC3 | PO BOX 28 AKRON, OH 44309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 1.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $67K |
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 | 1,797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,708 | $283K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,833 | $489K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,685 | $344K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,833 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,708 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.