| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD | 17000 KERCHEVAL AVENUE, SUITE 210 GROSSE POINTE, MI 48230 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 23.23% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| HOUSE ACCTTEST3 | 1400 CENTERVIEW DRIVE LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.40% |
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 | 710 | 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) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 288 | $19K |
| Vision | EYEMED VISION CARE | 923 | $75K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 526 | $493K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 526 | $493K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 526 | $493K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 526 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.