| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE OSWALD CENTRE CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $3K | $9K | $11K | 0.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | C/O OSWALD CENTRE 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.16% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | METROPOLITAN LIFE INSURANCE COMPANY | $730 | — | $730 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | OSWALD CENTER 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | CONSUMERS LIFE INSURANCE COMPANY | $835 | $2K | $2K | 7.41% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 225 | $2.0M |
| Dental(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 225 | $2.1M |
| Vision | MEDICAL MUTUAL OF OHIO | 225 | $2.0M |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 315 | $32K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 225 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.