| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | THE HEALTH PLAN | $52K | — | $52K | 4.52% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $11K | $1K | $13K | 1.59% |
| SHAWN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $138 | — | $138 | 0.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 11.69% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.92% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE HEALTH PLAN | 208 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $123K |
| Vision | VISION BENEFITS OF AMERICA | 57 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $184K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $184K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $184K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
No prospect flags tripped on this filing.