| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. EAST, STE. 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 111 SUPERIOR AVE E, STE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. EAST, STE. 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $669 | $5K | 17.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 111 SUPERIOR AVE E, STE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. EAST, STE. 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $496 | $4K | 17.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 111 SUPERIOR AVE E, STE 1601 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.93% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. EAST, STE. 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $442 | $3K | 17.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 111 SUPERIOR AVE E, STE 1601 INDEPENDENCE, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $951 | — | $951 | 4.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. EAST, STE. 1500 CLEVELAND, OH 441142544 | VISION SERVICE PLAN | $109 | — | $109 | 0.82% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HCC LIFE INSURANCE COMPANY | 202 | $539K |
| Vision | VISION SERVICE PLAN | 168 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $22K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 202 | $539K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.