| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | OSWALD CENTRE 1100 SUPERIOD SUITE 1500 CLEVELAND, OH 44144 | MEDMUTUAL LIFE | $353K | $0 | $353K | 3.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $37K | $125K | 4.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32K | $32K | 1.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 0.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $21K | $63K | 5.14% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.50% |
| CIGNA Filed as: CIGNA DENTAL OF OHIO, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 950 MAIN STREET SUITE 1800 CLEVELAND, OH 44113 | METLIFE LEGAL PLANS | $90K | $0 | $90K | 15.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $13K | $66K | 12.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44133 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $11K | $54K | 12.05% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTIGO HEALTH, LLC EIN 34-1593929 ADMINSITRATIVE FEES | Other services Service code 49 | — | $5.4M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Named fiduciary; Claims processing; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Float revenue; Participant communication; Other services Service code 12 | — | $1.1M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $5K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NETWORK FEES | Other services Service code 49 | — | $0 |
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 | 28,444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 28,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 5,984 | $1.2M |
| Life insurance | MEDMUTUAL LIFE | 28,444 | $11.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,009 | $976K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22,989 | $3.8M |
| Other(3 contracts, 3 carriers) | MEDMUTUAL LIFE | 28,444 | $13.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,444 | — |
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."
No prospect flags tripped on this filing.