| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | $155K | $0 | $155K | 14.99% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 8.00% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | — | $62K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $4K | $37K | $41K | 17.84% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 17.65% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | — | $51K | 36.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 7.97% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 17.59% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 28.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 8.11% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 17.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 17.32% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 17.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $754 | — | $754 | 89.66% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, OH 44114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $570 | — | $570 | 86.76% |
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 | 1,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 898 | $229K |
| Life insurance(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,068 | $444K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $390K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 1,172 | $1.0M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.