| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 4.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $5K | 0.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF MICHIGAN | $0 | $1K | $1K | 0.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $322 | $0 | $322 | 0.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 10.33% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $617 | $6K | 6.57% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.52% |
| DANIEL CORNWELL3 | 675 N WILLIAMSBURY BLOOMFIELD HILLS, MI 48301 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.92% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN INC. | PO BOX 1313 ORLANDO, FL 32802 | FIRST UNUM LIFE INSURANCE COMPANY | $309 | $0 | $309 | 0.50% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $1K | $156 | $1K | 6.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $237 | $1K | 6.83% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $871 | $157 | $1K | 4.94% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN INC. | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104 | $0 | $104 | 0.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTRE CLEVELAND, OH 44114 | EYEMED | $1K | $0 | $1K | 7.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | EYEMED | $552 | $0 | $552 | 3.12% |
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 | 2,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 21 | $108K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,940 | $403K |
| Vision | EYEMED | 294 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,375 | $583K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,375 | $514K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,375 | $493K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,375 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,375 | — |
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.