| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD COMPANY | OSWALD CENTRE 1100 SUPERIOR SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE | $347K | $188K | $536K | 6.83% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 ROUTE 34 BUILDING C MANASQUAN, NJ 06736 | MEDMUTUAL LIFE | $26K | $0 | $26K | 0.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $155K | $0 | $155K | 3.75% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS | 2399 NJ-34 BLDG C-2 MANASQUAN, NJ 08736 | HARTFORD LIFE AND ACCIDENT | $73K | $0 | $73K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $15K | $42K | $57K | 1.39% |
| CIGNA Filed as: CIGNA DENTAL HEALTH OF OHIO, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $54K | $0 | $54K | 9.99% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $18K | $0 | $18K | 3.36% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTIGO HEALTH, LLC EIN 34-1593929 ADMINISTRATIVE FEES | Other services Service code 49 | — | $5.4M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 DENTAL FEES | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $840K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 CLAIMS ADMINISTRATION | Claims processing Service code 12 | — | $6K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NETWORK FEES | Other services Service code 49 | — | $0 |
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 | 27,197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 27,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 4,668 | $931K |
| Life insurance | MEDMUTUAL LIFE | 27,197 | $7.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 28,923 | $4.1M |
| Other(3 contracts, 3 carriers) | MEDMUTUAL LIFE | 27,197 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,923 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.