| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $27K | $86K | 4.87% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $51K | $84K | 4.78% |
| CHARLES BENTZ3 Filed as: CHARLES BENTS | 46 SHOPPING PLS PMB 131 CHAGRIN FALLS, OH 440223022 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 1.39% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, STE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $43K | — | $43K | 2.56% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37K | — | $37K | 10.59% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | COMPBENEFITS INSURANCE COMPANY | $11K | $2K | $13K | 12.22% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 14.20% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 441142544 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $884 | — | $884 | 17.07% |
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 | 4,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 218 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $45K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 6,428 | $1.8M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,133 | $370K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,017 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,017 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,017 | $1.8M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,835 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,017 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,835 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.