James B. Oswald Company 401(k) Plan: Login, Facts & Contact Information

James B. Oswald Company 401(k) Plan Facts

Plan name
THE UNISON RISK ADVISORS 401(K) PLAN AND TRUST
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
JAMES B. OSWALD COMPANY
Participants
1,063 (1,013 active employees)
Former employees with a balance
364
Plan assets
$211,959,981 at Dec 31, 2024
Average account balance
$164,438 across 1,289 accounts
Employer contributions
$3,849,880 in plan year 2024 (16% of all contributions)
Recordkeeper
Voya Retirement Insurance & Annuity
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1995
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $24.1 million went into the plan in contributions, $3.85 million of it from the employer (16%).
  • $21.7 million was paid out to participants.
  • Investment and other income added $20.8 million.
  • Administrative expenses were $128,827, about $100 per account.

How the James B. Oswald Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019450$76.7 million$2.05 million$3.33 million
2020463$89.3 million$1.83 million$7.86 million
2021487$140.2 million$2.11 million$2.96 million
2022554$169.0 million$3.15 million$29.1 million
2023900$196.3 million$2.76 million$19.1 million
20241,063$212.0 million$3.85 million$21.7 million

James B. Oswald Company 401(k) Contact Information

Phone
216-367-8866
Mailing address
950 MAIN AVENUE SUITE 1800, CLEVELAND OH 44113
Plan sponsor
JAMES B. OSWALD COMPANY
Employer identification number (EIN)
34-0445620
Plan number
003

Questions about the James B. Oswald Company 401(k)

Does James B. Oswald Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $3.85 million, 16% of all contributions.

Does the James B. Oswald Company 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the James B. Oswald Company 401(k) plan?

1,063 participants at the start of plan year 2024, 1,013 of them active employees, and 364 former employees who still had money in the plan.

What is the average 401(k) balance at James B. Oswald Company?

About $164,438 per account: $212.0 million in plan assets across 1,289 accounts with a balance at the end of plan year 2024.

Who manages the James B. Oswald Company 401(k) accounts?

Voya Financial (listed on the filing as VOYA RETIREMENT INSURANCE & ANNUITY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at James B. Oswald Company. How do I access my 401(k)?

Your account stays with Voya Financial after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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