| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E STE 15000 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $8K | $24K | 6.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 3.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | PRUDENTIAL COMPANY OF AMERICA | $16K | $5K | $21K | 14.02% |
| IMG5 | 2960 N MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL COMPANY OF AMERICA | $0 | $99 | $99 | 0.07% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $0 | $25K | $25K | — |
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 | 642 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,670 | $397K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,670 | $397K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL COMPANY OF AMERICA | 642 | $231K |
| Long-term disability | PRUDENTIAL COMPANY OF AMERICA | 642 | $150K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 0 | $0 |
| Other | PRUDENTIAL COMPANY OF AMERICA | 642 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,670 | — |
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.