| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 4.42% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L PIERCE BENEFITS TECHNOLOG | 28175 HAGGERTY ROAD, STE 149 NOVI, MI 48377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $6 | $28K | 9.64% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $5 | $4K | 1.39% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 7.20% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $18K | — | $18K | 9.94% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L PIERCE BENEFITS TECHNOLOG | 28175 HAGGERTY ROAD, STE 149 NOVI, MI 48377 | PROVIDENT LIFE AND ACCIDENT COMPANY | $10K | -$47 | $10K | 6.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT COMPANY | $2K | — | $2K | 1.31% |
| ASSUREX3 | 175 SOUTH THIRD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT COMPANY | — | $8 | $8 | 0.01% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 2,859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 1,965 | $177K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,491 | $558K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT COMPANY | 741 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,721 | $248K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,491 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,965 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.