| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVENUE SUITE 1800 CLEVELAND, OH 441137212 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $17K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. SUITE 365 CLEVELAND, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.65% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 441142514 | METROPOLITAN LIFE INSURANCE COMPANY | $972 | $55 | $1K | 0.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | STEVEN BALTAS 1100 SUPERIOR AVE. CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $3K | $118 | $3K | 4.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | 950 MAIN AVENUE SUITE 1800 CLEVELAND, OH 441137212 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $779 | $2K | 32.78% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. SUITE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $322 | $99 | $421 | 6.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES B OSWALD COMPANY NONE | Insurance agents and brokers Service code 22 | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | $44K |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 154 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 168 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $115K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $115K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $115K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.