| 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 | $58K | — | $58K | 3.13% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $13K | $882 | $13K | 1.40% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH STREET SUITE 600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $4K | $103 | $4K | 0.40% |
| SHAWN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.25% |
| SHAWAN MARQUIS AGENCY INC3 | 425 METRO PLACE N SUITE 140 DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY | $154 | — | $154 | 0.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 9.53% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.10% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE HEALTH PLAN | 208 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $131K |
| Vision | VISION BENEFITS OF AMERICA | 62 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $206K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $206K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $206K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.