| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 3.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $4K | $7K | 10.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.34% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $426 | $426 | 1.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $113 | $113 | 0.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.09% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $358 | $358 | 1.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $115 | $115 | 1.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188 | — | $188 | 12.02% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23 | $23 | 1.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126 | — | $126 | 9.96% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19 | $19 | 1.50% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $1.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 87 | $72K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 87 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $24K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $8K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.