| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 4.67% |
| AULTCARE3 | PO BOX 6910 CANTON, OH 44706 | AULTCARE | $0 | $139K | $139K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX RISK MANAGEMENT SERVICES LLC EIN 83-0360667 NONE | Consulting (general) Service code 16 | — | $26K |
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 | 1,008 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE | 1,003 | $0 |
| Dental | AULTCARE | 1,003 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $47K |
| Prescription drug | AULTCARE | 1,003 | $0 |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 441 | $536K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.