| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | AETNA HEALTH, INC | $50K | — | $50K | 27.41% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 4.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 110 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | $4K | $111 | $4K | 5.19% |
| MIDWEST BENEFITS LLC3 | 7976 BROADVIEW ROAD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $973 | — | $973 | 3.14% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $5 | $947 | 3.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | — | $609 | 1.96% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.28% |
| STEVEN M MAMICK3 | 1127 FIRESIDE TRAIL BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $5 | $38 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | 3410 MAGNOLIA WAY BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| GEORGE EVANS3 | 7950 S R 605 WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| DENNIS N SHAY3 | 409 MANILA PLACE WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FIN PLANNING | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CUSTOM DESIGN BENEFITS3 | 5589 CHEVIOT ROAD CINCINNATI, OH 45247 | CUSTOM DESIGN BENEFITS | — | $1K | $1K | 17.24% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 242 | $72K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 42 | $116K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 32 | $85K |
| Other | CUSTOM DESIGN BENEFITS | 0 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.