| 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 | $168K | $83K | $252K | 4.29% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | JOHN HANCOCK | $32K | — | $32K | 3.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $100K | — | $100K | 12.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF TENN. | PO BOX 305025 NASHVILLE, TN 372305025 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 3.90% |
| THE JAMES B OSWALD COMPANY3 | 1110 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 8.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE., #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. E SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 20.03% |
| ASSUREX3 | 175 S. THIRD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $408 | — | $408 | 3.85% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W | 277 DARTMOUTH ST. 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $71 | $120 | 3.36% |
| 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 | $5 | $10 | $15 | 0.42% |
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 | 24,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 612 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 741 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 91 | $1.2M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 543 | $776K |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE - COMBINED INSURANCE COMPANY OF AMERICA | 37,093 | $2.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 38,928 | $5.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $197K |
| Prescription drug | METROPOLITAN LIFE INSURANCE COMPANY | 24 | $269K |
| Other(7 contracts, 5 carriers) | JOHN HANCOCK | 25,079 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,928 | — |
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.