| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $9K | 1.78% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $164 | — | $164 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $758 | $27K | 7.90% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $22K | $26K | 7.59% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | — | $129 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $474 | $23K | 7.84% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $359 | $27K | 11.65% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $266 | $14K | 7.77% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $151 | $7K | 7.80% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $760 | $4K | 4.61% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $248 | — | $248 | 0.32% |
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 | 1,706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $900K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,081 | $174K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,706 | $323K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,704 | $347K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 798 | $292K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,706 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,706 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.