| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $51K | $119K | 3.45% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $28K | $112K | 3.25% |
| CHARLES BENTZ3 Filed as: CHARLES BENTS | 46 SHOPPING PLS PMB 131 CHAGRIN FALLS, OH 440223022 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 0.67% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $36K | — | $36K | 9.95% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $6K | — | $6K | 2.71% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | COMPBENEFITS INSURANCE COMPANY | $8K | — | $8K | 9.49% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $389 | — | $389 | 11.19% |
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 | 4,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 222 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,129 | $3.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,821 | $367K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,129 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,129 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,129 | $3.5M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,481 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 7,129 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,129 | — |
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."
No prospect flags tripped on this filing.