| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | AMERICAN UNITED LIFE INSURANCE CO. | $5K | — | $5K | 7.80% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 10.00% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST CLEVELAND, OH 44114 | RELIASTAR LIFE INSURANCE COMPANY | $736 | — | $736 | 9.90% |
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 | 358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 223 | $26K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE CO. | 397 | $70K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE CO. | 397 | $63K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE CO. | 397 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.