| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $59K | — | $59K | 2.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $10 | $52K | 2.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVE STE 1800 CLEVELAND, OH 441137212 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $17K | $43K | 2.23% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35K | $35K | 1.80% |
| CHARLES BENTZ3 Filed as: CHARLES BENTS | 46 SHOPPING PLS PMB 131 CHAGRIN FALLS, OH 440223022 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 1.34% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | EYEMED VISION CARE ON BEHALF-FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | — | $39K | 6.55% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | COMPBENEFITS INSURANCE COMPANY | $10K | $2K | $12K | 11.51% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | EYEMED VISION CARE-FIDELITY SECURITY LIFE INSURANCE COMPANY | $484 | — | $484 | 6.28% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF-FIDELITY SECURITY LIFE INSURANCE COMPANY | $28 | — | $28 | 0.41% |
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 | 5,039 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $157K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 7,000 | $2.4M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF-FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,553 | $608K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,168 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,168 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,168 | $1.9M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 7,231 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,168 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.