| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC LASCESKI3 | 39572 WOODWARD AVENUE SUITE 201 BLOOMFIELD HILLS, MI 48304 | PRIORITY HEALTH INSURANCE COMPANY | $27K | — | $27K | 1.67% |
| CHRISTINE BILL3 | 50 LOUIS STREET GRAND RAPIDS, MA 49503 | PRIORITY HEALTH INSURANCE COMPANY | $5K | — | $5K | 0.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $135K | $6K | $141K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 2.87% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | — | $50K | 9.92% |
| MARC LASCESKI3 | 39572 WOODWARD AVENUE SUITE 201 BLOOMFIELD HILLS, MI 48304 | PRIORITY HEALTH | $6K | — | $6K | 1.65% |
| CHRISTINE BILL3 | 50 LOUIS STREET GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $1K | — | $1K | 0.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 13.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29849 NETWORK PLACE CHICAGO, IA 60673 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | HARTFORD LIFE AND ACCIDENT | — | $119 | $119 | 0.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. CLEVLAND, OH 44114 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.83% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $2K | — | $2K | 8.93% |
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 | 1,412 | 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) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 185 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 918 | $611K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE SPECTERA | 219 | $132K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $1.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $942K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.