| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116K | $29K | $145K | 25.10% |
| CENTRO BENEFITS RESEARCH LLC0 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $25K | $25K | 4.39% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE. BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $13K | $65K | 25.00% |
| CENTRO BENEFITS RESEARCH LLC0 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 5.11% |
| RIGGS COUNSELMAN MICHAELS & DOWNES0 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 950 MAIN AVE. STE 1800 CLEVELAND, OH 44113 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $11K | $54K | 25.00% |
| CENTRO BENEFITS RESEARCH LLC0 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 5.42% |
| RIGGS COUNSELMAN MICHAELS & DOWNES0 | 555 FAIRMOUNT AVE. BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $201 | $201 | 0.09% |
| THE ORIENTATION COMPANY, INC.0 | 5 COWBOYS WAY STE 1 FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $20K | $0 | $20K | 20.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $5K | $958 | $6K | 5.97% |
| THE ORIENTATION COMPANY, INC.0 | 5 COWBOYS WAY STE 1 FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $15K | $0 | $15K | 20.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $4K | $716 | $4K | 5.95% |
| THE ORIENTATION COMPANY, INC.0 | 5 COWBOYS WAY STE 1 FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $13K | — | $13K | 20.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $3K | $628 | $4K | 5.95% |
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 | 1,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 934 | $241K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,222 | $473K |
| Short-term disability | UNUM INSURANCE COMPANY | 421 | $76K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,222 | $790K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 635 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,222 | — |
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."
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.