| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $686 | $4K | 9.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $642 | $6K | 16.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $476 | $3K | 11.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $448 | $3K | 15.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | EYE MED | $675 | — | $675 | 10.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 3.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $311 | $40 | $351 | 16.92% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $68K |
| Vision | EYE MED | 259 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $21K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.