| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1360 EAST 9TH STREET CLEVELAND, OH 44114 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 3.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $1K | — | $1K | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS INC EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | PO BOX 1009 NEWARK, OH 43058 | $128K |
| OSU HEALTH PLAN EIN 31-1372469 CONTRACT | Other fees Service code 99 | 700 ACKERMAN RD, STE 1007 COLUMBUS, OH 43202 | $68K |
| COMPASS RISK PARTNERS LLC EIN 57-3004623 BROKER | Insurance agents and brokers Service code 22 | PO BOX 1009 NEWARK, OH 43058 | $19K |
| MEDICAL BENEFITS MUTUAL LIFE INS EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | PO BOX 1009 NEWARK, OH 43058 | $17K |
| JAMES B. OSWALD COMPANY EIN 34-0445620 BROKER | Insurance agents and brokers Service code 22 | 1100 SUPERIOR AVENUE EAST, STE 1500 CLEVELAND, OH 44114 | $16K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 CONTRACT | Other fees Service code 99 | 115 E. HIGHLAND AVENUE ELGIN, IL 60120 | $9K |
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 | 497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 442 | $103K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 914 | $205K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 914 | $205K |
| Stop-loss / reinsurancereinsurance | ACCURISK SOLUTIONS | 497 | $192K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 914 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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.