| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 4.14% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $837 | $4K | 12.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $681 | $5K | 17.40% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $5K | $193 | $5K | 18.25% |
| NORMA JO SMITH3 Filed as: NORMA SMITH | 3617 HUNTERS GLEN RD ABILENE, TX 79605 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 1.27% |
| ASSUREX3 | 175 S THIRD ST SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $119 | $119 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC | 227 WEST TRADE ST STE 1500 CHARLOTTE, NC 28202 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $43 | $43 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - CHICAGO | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $274 | $2K | 20.24% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $148 | $2K | 61.81% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $728K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 42 | $33K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $64K |
| Short-term disability | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 76 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $27K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.