| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | OSWALD CENTRE 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL | $52K | $22K | $73K | 4.21% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.87% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.30% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $5K | $945 | $6K | 17.22% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 124 | $1.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 142 | $110K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 142 | $110K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $93K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $93K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
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.