| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 110 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -3854 | $2K | $1K | $3K | 7.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN FINANCIAL GROUP -3854 | $240 | — | $240 | 0.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -2230 | $2K | $379 | $2K | 14.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN FINANCIAL GROUP -2230 | $496 | — | $496 | 3.56% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCAIL GROUP -5328 | $685 | $217 | $902 | 9.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN FINANCAIL GROUP -5328 | $234 | — | $234 | 2.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -5327 | $890 | $231 | $1K | 13.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN FINANCIAL GROUP -5327 | $333 | — | $333 | 4.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -5326 | $664 | $216 | $880 | 12.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN FINANCIAL GROUP -5326 | $211 | — | $211 | 2.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $86K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $0 |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 98 | $252K |
| Dental | LINCOLN FINANCIAL GROUP -3854 | 93 | $44K |
| Vision | LINCOLN FINANCAIL GROUP -5328 | 81 | $9K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP -2230 | 117 | $21K |
| Long-term disability | LINCOLN FINANCIAL GROUP -5327 | 38 | $8K |
| Stop-loss / reinsurancereinsurance | AETNA | 98 | $252K |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP -2230 | 117 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.