| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $43K | $20K | $63K | 2.63% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $7K | — | $7K | 0.30% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | THE HEALTH PLAN | $58K | — | $58K | 3.40% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | GUARDIAN | $71K | $14K | $84K | 24.87% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $17K | — | $17K | 4.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $8K | 4.65% |
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 | 251 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 261 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $182K |
| Vision(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 261 | $2.7M |
| Life insurance | GUARDIAN | 256 | $339K |
| Short-term disability | GUARDIAN | 256 | $339K |
| Long-term disability | GUARDIAN | 256 | $339K |
| Other | GUARDIAN | 256 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.