| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | MEDICAL MUTUAL | $69K | $30K | $98K | 3.83% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN RD SOLON, OH 44139 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.75% |
| CREATIVE INSURANCE SOLUTIONS3 | 35660 S HUNTINGTON SOLON, OH 44139 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 14.69% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $343 | — | $343 | 1.99% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | — | $466 | 7.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $515 | — | $515 | 15.00% |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 264 | $2.6M |
| Dental | DELTA DENTAL OF OHIO | 395 | $102K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 296 | $94K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 95 | $88K |
| Long-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 95 | $95K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 296 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.