| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $17K | $101K | 2.90% |
| CHARLES BENTZ3 | 46 SHOPPING PLZ PMB 131 CHARGRIN FALLS, OH 440223044 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 1.04% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | — | $39K | 10.84% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $7K | — | $7K | 3.46% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | COMPBENEFITS INSURANCE COMPANY | $12K | — | $12K | 9.96% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $243 | — | $243 | 10.24% |
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 | 4,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 233 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,393 | $3.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,699 | $361K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,393 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,393 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,393 | $3.5M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,046 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 7,393 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,393 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.