| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 1.72% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 1.62% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 7.88% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 3.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.04% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.41% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | DELTA DENTAL OF MICHIGAN | $536 | — | $536 | 0.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $513 | — | $513 | 7.66% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | EYEMED VISION CARE | $319 | — | $319 | 4.76% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $158 | — | $158 | 8.14% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | EYEMED VISION CARE | $80 | — | $80 | 4.12% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | EYEMED VISION CARE | $43 | — | $43 | 2.79% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $55 | — | $55 | 7.59% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | EYEMED VISION CARE | $28 | — | $28 | 3.86% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $45 | — | $45 | 6.37% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | EYEMED VISION CARE | $30 | — | $30 | 4.25% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $23 | — | $23 | 7.35% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | EYEMED VISION CARE | $11 | — | $11 | 3.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $6 | — | $6 | 7.89% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 257 | $106K |
| Vision(7 contracts) | EYEMED VISION CARE | 135 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $163K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $163K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $163K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.