| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INS. CO. | $5K | $190 | $5K | 15.57% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INS. CO. | $4K | $140 | $4K | 15.58% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INS.CO. | $3K | $128 | $4K | 15.56% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | UDC OF OHIO, INC. | $455 | — | $455 | 2.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNION SECURITY COMPANY | $997 | — | $997 | 54.36% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | UNITED DENTAL CARE OF ARIZONA | $497 | — | $497 | 54.62% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INS. CO. | — | — | $0 | — |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE CO | 161 | $0 |
| Dental(3 contracts, 3 carriers) | UDC OF OHIO, INC. | 77 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INS. CO. | 192 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INS. CO. | 163 | $34K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INS. CO. | 192 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.