| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF IL | $68K | $10 | $68K | 3.87% |
| KKSP PRECISION MACHINING3 | 1688 GLEN ELLYN RD GLENDALE HEIGHTS, IL 60139 | BLUE CROSS BLUE SHIELD OF IL | — | $7 | $7 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | $3K | $6K | 8.67% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $446 | $446 | 0.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE CO | $6K | $2K | $8K | 13.79% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 SOUTH THIRD ST., STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $308 | $308 | 0.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWLAD CO | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | $1K | $8K | 28.65% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $183 | $183 | 0.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $642 | — | $642 | 8.12% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 298 | $1.8M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE CO | 132 | $72K |
| Vision | VISION SERVICE PLAN | 71 | $8K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 176 | $59K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 176 | $59K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 176 | $59K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 176 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.