| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85K | $18K | $103K | 10.56% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $18K | $18K | 1.82% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $26K | $42K | 7.88% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 4.75% |
| CAPITAL PLANNERS LLC3 Filed as: CAPITAL PLANNERS, LLC | UNKNOWN CLEVELAND, OH 44113 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $147 | $0 | $147 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $16K | $4K | $19K | 14.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.62% |
| NSI INSURANCE GROUP LLC3 Filed as: NSI INSURANCE GROUP | 5875 NW 163RD STREET, SUITE 207 MIAMI LAKES, FL 33014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 9.92% |
| NSI INSURANCE GROUP LLC3 Filed as: NSI INSURANCE GROUP | 5875 NW 163RD STREET, SUITE 207 MIAMI LAKES, FL 33014 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 16.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $293 | $293 | 1.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 16.20% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $434 | $434 | 2.64% |
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 | 788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 29 | $128K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $596K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,121 | $182K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,003 | $973K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,003 | $973K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 29 | $128K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,003 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,121 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.