| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | AETNA HEALTH INSURANCE COMPANY | $38K | — | $38K | 3.15% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 4.86% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | AETNA HEALTH INSURANCE COMPANY | $9K | — | $9K | 12.94% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INSURANCE COMPANY | 237 | $1.2M |
| Dental | NATIONAL GUARDIAN LIFE | 127 | $90K |
| Vision | NATIONAL GUARDIAN LIFE | 127 | $90K |
| Life insurance | AETNA HEALTH INSURANCE COMPANY | 140 | $68K |
| Short-term disability | AETNA HEALTH INSURANCE COMPANY | 140 | $68K |
| Long-term disability | AETNA HEALTH INSURANCE COMPANY | 140 | $68K |
| Other(2 contracts) | AETNA HEALTH INSURANCE COMPANY | 237 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.