| 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 | $5K | $54K | $60K | 2.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $53K | $58K | 2.03% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $263 | $2K | 5.34% |
| USI INSURANCE SERVICES LLC7 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.28% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $249 | $3K | 6.02% |
| USI INSURANCE SERVICES LLC7 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.54% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $219 | $3K | 7.96% |
| USI INSURANCE SERVICES LLC7 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.87% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $791 | $77 | $868 | 6.04% |
| USI INSURANCE SERVICES LLC7 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $645 | — | $645 | 4.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CLAIM ADMIN. | Other services; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | 3838 N. CENTRAL AVE. SUITE 1600 PHOENIX, AZ 85012 | $8K |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $38K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.