| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC J LASCESKI3 Filed as: MARC J. LASCESKI | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 4.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | — | $828 | $828 | 0.15% |
| MARC J LASCESKI3 Filed as: MARC J. LASCESKI | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 5.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $543 | $543 | 0.16% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E. STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 16.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E. STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $543 | $3K | 19.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $1K | $237 | $1K | 17.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD. STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM INSURANCE COMPANY | $173 | — | $173 | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF RD. ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $15 | $15 | 0.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $1K | $252 | $1K | 18.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $35 | — | $35 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD. ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $11 | $11 | 0.16% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 3358 EAGLE RUN DR. NE GRAND RAPIDS, MI 49525 | UNUM INSURANCE COMPANY | — | $6 | $6 | 0.09% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 147 | $870K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $330K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $330K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $52K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 147 | $870K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
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.