| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR OSWALD, LLC | 1100 SUPERIOR AVENUE, SUITE 1330 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $95K | $97K | 4.34% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE, INC. | 25700 SCIENCE PARK DRIVE, SUITE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $17K | $19K | 0.84% |
| UNKNOWN3 | UNKNOWN CLEVELAND, OH 44122 | AMERITAS LIFE INSURANCE COMPANY | $19K | $11K | $30K | 22.94% |
| ENTERPRISE GROUP PLANNING, INC.3 | 5910 HARPER ROAD CLEVELAND, OH 44139 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 8.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $669 | $0 | $669 | 1.58% |
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR OSWALD, LLC | 1100 SUPERIOR AVENUE, SUITE 1330 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.50% |
| RONALD J. FLEETER, INC.3 | 25700 SCIENCE PARK DRIVE, SUITE 130 BEACHWOOD, OH 44122 | VISION SERVICE PLAN | $303 | $0 | $303 | 1.23% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 490 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 490 | $2.2M |
| Vision | VISION SERVICE PLAN | 258 | $25K |
| Life insurance | AMERITAS LIFE INSURANCE COMPANY | 283 | $132K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $42K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 490 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.