| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 8.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $5K | $925 | $5K | 3.92% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | — | VISION SERVICE PLAN | $1K | — | $1K | 4.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 NONE | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $284K |
| INGENIORX, INC. EIN 82-3062245 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | -$71K |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 245 | $208K |
| Dental(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 413 | $378K |
| Vision | VISION SERVICE PLAN | 184 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 295 | $239K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $239K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $239K |
| Prescription drug | HUMANA INSURANCE COMPANY | 12 | $36K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 245 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.