| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $34K | $36K | 1.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $3K | $746 | $3K | 2.91% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $620 | $0 | $620 | 5.05% |
| JAMES A VANDIVER3 Filed as: JAMES RYAN | 1429 KING AVENUE COLUMBUS, OH 43212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $591 | $0 | $591 | 4.81% |
| RICHARD GARLAND BAILEY | 131 KING LEES COURT LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | $0 | $355 | 2.89% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 215 GREEN RIDGE DRIVE, SUITE H1 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | $0 | $279 | 2.27% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | $0 | $216 | 1.76% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 45385 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.43% |
| MICHAEL C HURLEY3 Filed as: MICHAEL C. HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.13% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 455 | $2.6M |
| Dental | STANDARD INSURANCE COMPANY | 197 | $114K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 455 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $177K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $177K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $177K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 455 | $2.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
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.