| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $76K | $2K | $78K | 5.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANIES | 1100 SUPERIOR AVENUE EAST STE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $85K | $87K | 7.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSLWALD COMPANIES | 1100 SUPERIOR AVENUE EAST STE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $14K | $37K | 16.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 4.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $809 | — | $809 | 3.71% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 289 | $2.4M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 176 | $1.3M |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 289 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 421 | $219K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 421 | $219K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 124 | $1.3M |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 421 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.