| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $95K | $104K | 4.12% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 9.72% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 13.99% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.62% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $418 | $9K | 66.22% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $41K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.