| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 3.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.20% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 8.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UDC OF OHIO, INC | $194 | — | $194 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $266K |
| UNION SECURITY INSURANCE EIN 81-0170040 ADMIN SERVICES ONLY-DENT | Insurance agents and brokers; Claims processing; Other commissions; Other fees Service code 12 | PO BOX 419052 KANSAS CITY, MO 64141 | $18K |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 490 | $125K |
| Vision | UNION SECURITY INSURANCE COMPANY | 490 | $93K |
| Life insurance | STANDARD INSURANCE COMPANY | 729 | $95K |
| Short-term disability | STANDARD INSURANCE COMPANY | 349 | $172K |
| Long-term disability | STANDARD INSURANCE COMPANY | 387 | $126K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 490 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.