| 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 | $4K | $3K | $7K | 4.09% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.81% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L PIERCE BENEFITS TECHNOLOG | 1200 E TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $8 | $9K | 5.81% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $61 | $3K | 1.86% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $8K | $2K | $9K | 8.25% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L PIERCE BENEFITS TECHNOLOG | 1200 E TAFT AVENUE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $34 | $1K | 1.78% |
| ASSUREX3 | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $46 | $46 | 0.05% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $959 | $4K | 7.75% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $548 | — | $548 | 1.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $473 | $3K | 10.75% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 1.00% |
| 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% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | FIRST UNUM LIFE INSURANCE COMPANY | $24 | $3 | $27 | 14.84% |
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 | 1,583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 1,695 | $115K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,359 | $251K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 335 | $84K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 646 | $82K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,359 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,695 | — |
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.