| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $33K | $17K | $50K | 4.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 2.10% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $960 | $0 | $960 | 1.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.90% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBURG, OH 43551 | AFLAC | $275 | $0 | $275 | 2.81% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | AFLAC | $159 | $0 | $159 | 1.62% |
| RYAN MORRIS3 Filed as: RYAN E. MORRIS | 2212 ORCHARD ROAD OTTAWA HILLS, OH 43606 | AFLAC | $153 | $0 | $153 | 1.56% |
| THOMAS J HOUSER3 Filed as: THOMAS J. HOUSER | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | AFLAC | $93 | $0 | $93 | 0.95% |
| JACK A. SHADE AND OTHER AGENTS3 | 1878 VERDICT RIDGE DRIVE DENVER, NC 28037 | AFLAC | $25 | $0 | $25 | 0.26% |
| KEVIN W LAWSON3 Filed as: KEVIN W. LAWSON | 7428 KINGS WALK LANE SYLVANIA, OH 43560 | AFLAC | $23 | $0 | $23 | 0.23% |
| MOYA WARRICK3 | 4757 MIDDLE BRANCH MONCLOVA, OH 43542 | AFLAC | $22 | $0 | $22 | 0.22% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 52 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 99 | $86K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $47K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 52 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.