| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | AETNA HEALTH INC | $60K | — | $60K | 3.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $11K | $5K | $17K | 10.41% |
| CUSTOM DESIGN BENEFITS3 | 5589 CHEVIOT ROAD CINCINNATI, OH 45247 | CUSTOM DESIGN BENEFITS | $1K | — | $1K | 17.34% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 304 | $160K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 304 | $160K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 304 | $160K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 304 | $160K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 304 | $160K |
| Other | CUSTOM DESIGN BENEFITS | 0 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.