| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $11K | — | $11K | 2.99% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B OSWALD CO | 1100 E SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 7.76% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $2K | — | $2K | 2.99% |
| THE JAMES B OSWALD COMPANY Filed as: THE JAMES B. OSWALD COMPANY | 1100 E SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 8.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $797 | $10K | 32.47% |
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 | 1,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,167 | $356K |
| Vision | VISION SERVICE PLAN | 523 | $74K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,177 | $242K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,177 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,177 | $168K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,139 | $1.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,177 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,177 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.