| 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 LIFE INSURANCE COMPANY | $36K | — | $36K | 2.48% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 5.16% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 24.85% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 23.34% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.79% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 47.24% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $408 | $408 | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 25.07% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $169 | $169 | 3.76% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $538 | — | $538 | 36.47% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $67 | $67 | 4.54% |
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 | 85 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 165 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 89 | $77K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 89 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $23K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $8K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.