| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $73K | — | $73K | 3.08% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $8K | $14K | 6.97% |
| CAPITAL PLANNERS LLC3 | 1191 LUDLAM CT MARCO ISLAND, FL 34145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.71% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.75% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $576 | $6K | 16.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E. STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANNY OF AMERICA | $2K | $196 | $2K | 27.18% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 568 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $197K |
| Vision | EYEMED VISION CARE | 408 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $82K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.