| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.12% |
| 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 | — | $3K | 4.83% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. E STE. 1500 C/O OSWALD CENTRE CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $536 | $3K | 20.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD., STE. 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $574 | $229 | $803 | 5.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES B OSWALD COMPANY NONE | Insurance agents and brokers Service code 22 | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | $30K |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 138 | $831K |
| Life insurance | DELTA DENTAL OF OHIO | 168 | $64K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $14K |
| Other | DELTA DENTAL OF OHIO | 168 | $64K |
| 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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.