| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $29K | $10K | $39K | 3.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 100 SUPERIOR AVENUE CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $3K | — | $3K | 6.26% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBRUG, OH 43551 | AFLAC | $1K | $384 | $1K | 8.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44113 | AFLAC | $538 | — | $538 | 3.35% |
| THOMAS J HOUSER3 Filed as: THOMAS J. HOUSER | 25144 ROCKY HARBOUR DRIVE PERRYSBRUG, OH 43551 | AFLAC | $253 | $73 | $326 | 2.03% |
| RYAN MORRIS3 Filed as: RYAN E. MORRIS | 2212 ORCHARD ROAD OTTAWA HILLS, OH 43606 | AFLAC | $200 | — | $200 | 1.24% |
| KEVIN W LAWSON3 Filed as: KEVIN W. LAWSON AND OTHER AGENTS | 2823 PROVINCETOWNE DRIVEQ TOLEDO, OH 43613 | AFLAC | $100 | — | $100 | 0.62% |
| CRAIG K. HANSEN3 | 8420 KACIE LANE MONCLOVA, OH 43542 | AFLAC | $42 | — | $42 | 0.26% |
| MOYA WARRICK3 | 4757 MIDDLE BRANCH MONCLOVA, OH 43542 | AFLAC | $29 | — | $29 | 0.18% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 55 | $990K |
| Dental | DELTA DENTAL OF OHIO | 115 | $43K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $47K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 55 | $990K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.