| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $405 | $2K | 0.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $203 | — | $203 | 0.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $779 | $234 | $1K | 0.22% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $117 | — | $117 | 0.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $368 | $74 | $442 | 0.20% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | — | $37 | 0.02% |
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 | 1,998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,863 | $341K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,034 | $808K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,998 | $468K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,034 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,863 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.