| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $55K | $20K | $75K | 5.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. STE 1500 CLEVELAND, OH 44114 | SUPERIOR DENTAL CARE, INC. | $3K | $7 | $3K | 5.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE | $590 | $246 | $836 | 16.75% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 178 | $1.4M |
| Dental | SUPERIOR DENTAL CARE, INC. | 176 | $68K |
| Vision | MEDICAL MUTUAL | 178 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $13K |
| Prescription drug | MEDICAL MUTUAL | 178 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.