| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $2K | $2K | 0.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 14.44% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD SUITE C LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.68% |
| JEFF HARNED3 | 13117 EASTPOINT PARK BOULEVARD SUITE C LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.39% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $329 | $0 | $329 | 0.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $220 | $0 | $220 | 0.17% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, SUITE 2F AVON, OH 44011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | $1 | $14 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 13.73% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 990 | $250K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 990 | $250K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 694 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $129K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 694 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.