| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER 1100 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER 1100 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | INDEPENDENT HEALTH BENEFITS CORPORATION | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVE. SUITE 1800 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVE SUITE 1800 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $779 | $542 | $1K | 16.97% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 325 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $389 | $389 | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER CLEVELAND, OH 44114 | EYEMED VISION CARE | $648 | $0 | $648 | 10.10% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER 1100 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | TRUSTMARK INSURANCE COMPANY | $242 | $0 | $242 | 4.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER 1100 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | TRUSTMARK INSURANCE COMPANY | $180 | $0 | $180 | 5.00% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTER 1100 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $0 | $5K | $5K | — |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 82 | $94K |
| Dental | MEDICAL MUTUAL OF OHIO | 82 | $0 |
| Vision | EYEMED VISION CARE | 95 | $6K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $51K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 7 | $4K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 82 | $94K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 82 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.