| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.18% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $536 | $5K | 16.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3 SUMMIT PARK DR STE 530 INDEPENDENCE, OH 44131 | VISION SERVICE PLAN | $819 | — | $819 | 3.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $402 | — | $402 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 CONSULTANT | Actuarial; Consulting (general) Service code 11 | — | $13K |
| THE JAMES B OSWALD CO EIN 34-0445620 CONSULTANT | Consulting (general); Actuarial Service code 11 | — | $10K |
| HEALTHSMARTRX RX DRUG BENEFIT ADMIN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 3320 WEST MARKET ST FAIRLAWN, OH 44333 | $9K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 142 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $62K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 312 | $503K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
No prospect flags tripped on this filing.