| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD | 1100 SUPERIOR AVE. SUITE 1500 C/O OSWALD CENTRE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $164K | $96K | $260K | 5.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | JOHN HANCOCK | $33K | — | $33K | 3.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $123K | — | $123K | 16.75% |
| THE JAMES B OSWALD COMPANY3 | 1110 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $17K | 8.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE., #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 6.75% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $458 | $2K | 31.18% |
| ASSUREX3 | 175 S. THIRD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $362 | $362 | 5.57% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W | 277 DARTMOUTH ST. 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $71 | $125 | 3.50% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | 11225 N. COMMUNITY HOUSE RD. 11225 N. COMMUNITY HOUSE RD. CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.12% |
| DORMAN FARRELL BENEFITS AGENCY, LLC3 Filed as: DORMAN FARRELL BENEFITS AGENCY LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.62% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $10 | $17 | 0.48% |
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 | 19,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 724 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 440 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 36 | $1.2M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 71 | $287K |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE - COMBINED INSURANCE COMPANY OF AMERICA | 32,325 | $2.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,285 | $5.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $191K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 24 | $694K |
| Other(7 contracts, 5 carriers) | JOHN HANCOCK | 32,432 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,432 | — |
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.