| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD CO | 1 SOUTH MAIN STREET SUITE 201 AKRON, OH 44308 | AULTCARE INSURANCE COMPANY | $11K | — | $11K | 1.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1 SOUTH MAIN STREET SUITE 201 AKRON, OH 44308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 10.19% |
| MIKE SESSOR INSURANCE AGENCY3 Filed as: MIKE SESSOR INS AGENCY INC. | 4793 MUNSON ST. CANTON, OH 44718 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $10K | $26K | 13.67% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 113 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Prescription drug(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 113 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.