| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | C/O OSWALD CENTRE 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $195K | $97K | $292K | 4.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE #1500 CLEVLAND, OH 44114 | FEDERAL INSURANCE COMPANY | $107K | — | $107K | 12.50% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 9.00% |
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 | 20,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,887 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 871 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 41 | $441K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 1,494 | $744K |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE - COMBINED INSURANCE COMPANY OF AMERICA | 33,310 | $2.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 34,450 | $6.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $165K |
| Prescription drug | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 12 | $193K |
| Other(3 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 239,555 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239,555 | — |
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.