| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 13.94% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 6.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 23.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE, IN | 5250 CORPORATE DR. STE 200 TROY, MI 48098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 0.53% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $6K | — | $6K | 16.57% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $3K | $4 | $3K | 16.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INS COMPANY OF AMERICA EIN 01-0278678 ADMINISTRATIVE PROVIDER | Plan Administrator Service code 14 | — | $20K |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,444 | $367K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 160 | $166K |
| Vision | HERITAGE VISION PLANS INC. | 1,063 | $55K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 887 | $460K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 887 | $320K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 887 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,444 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.