| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES JUDD | 1100 SUPERIOR AVENUE EAST SUITE 1500 C/O OSWALD CENTRE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 2.17% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BOULEVARD SUITE 1200 EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.52% |
| LION STREET FINANCIAL LLC3 | 515 CONGRESS AVENUE SUITE 2500 AUSTIN, TX 787013509 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $38K | 11.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.24% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 3.76% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $11K | $34K | 18.21% |
| ASSUREX3 | 175 S 3RD STREET COLUMBUS, OH 432155194 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 1.66% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | JOHN HANCOCK LIFE INSURANCE COMPANY | $3K | — | $3K | 7.80% |
| TIMOTHY T. DOYLE3 Filed as: TIMOTHY DOYLE | 28210 WEST OAKLAND ROAD CLEVELAND, OH 44140 | JOHN HANCOCK LIFE INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $375 | $3K | 23.19% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD STREET COLUMBUS, OH 432155194 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $402 | $402 | 3.01% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $214 | $304 | 6.78% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $443 | $996 | 27.57% |
| ROMER & CO, INC.3 | 1021 DELTA AVENUE CINCINNATI, OH 45208 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 8.64% |
| ASSUREX3 | 175 S 3RD STREET SUITE 800 COLUMBUS, OH 432155194 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $133 | $133 | 3.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $475 | — | $475 | 15.00% |
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 | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $319K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $319K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 725 | $764K |
| Long-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 683 | $537K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $319K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 696 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.