| 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 | MEDICAL MUTUAL OF OHIO | $27K | $0 | $27K | 2.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 6.29% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.45% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBRUG, OH 43551 | AFLAC | $4K | $0 | $4K | 20.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | AFLAC | $2K | $0 | $2K | 10.73% |
| THOMAS J HOUSER3 Filed as: THOMAS J. HOUSER | 25144 ROCKY HARBOUR DRIVE PERRYSBRUG, OH 43551 | AFLAC | $864 | $0 | $864 | 4.16% |
| RYAN MORRIS3 Filed as: RYAN E. MORRIS | 2212 ORCHARD ROAD OTTAWA HILLS, OH 43606 | AFLAC | $222 | $0 | $222 | 1.07% |
| MJ INSURANCE3 Filed as: PHILIP HUNTER AND VARIOUS AGENTS | 2241 PLUM LEAF LANE TOLEDO, OH 43614 | AFLAC | $215 | $0 | $215 | 1.04% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLINS JR | 7840 LINWOOD ROAD BOWLING GREEN, OH 43402 | AFLAC | $117 | $0 | $117 | 0.56% |
| CRAIG K. HANSEN3 | 8420 KACIE LANE MONCLOVA, OH 43542 | AFLAC | $84 | $0 | $84 | 0.40% |
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 | 63 | 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) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 60 | $918K |
| Dental | DELTA DENTAL OF OHIO | 121 | $47K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $34K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 60 | $918K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.