| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | OSWALD CENTRE 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL | $23K | $9K | $32K | 1.59% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | MEDICAL MUTUAL | $32K | — | $32K | 1.59% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.78% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.49% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 2.29% |
| 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 | $3K | — | $3K | 5.50% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.87% |
| 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 | $2K | — | $2K | 3.77% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.61% |
| 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 | $2K | — | $2K | 6.09% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.80% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $2K | $294 | $2K | 10.91% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $2K | $205 | $2K | 7.64% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $2K | $423 | $2K | 14.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $85 | $33 | $118 | 0.73% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | — | $261 | 8.05% |
| 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 | $226 | — | $226 | 6.97% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 132 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 136 | $114K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 136 | $114K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $34K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.