| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | OSWALD CENTRE 1100 SUPERIOR SUITE 1500 CLEVELAND, OH 44114 | MEDMUTUAL LIFE | $330K | $0 | $330K | 3.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $55 | $66K | 2.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $10 | $9K | 0.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $55 | $31K | 2.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $10 | $4K | 0.37% |
| CIGNA Filed as: CIGNA DENTAL HEALTH 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 | 1100 SUPERIOR AVE EAST SUITE 1500 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $65K | $0 | $65K | 11.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 950 MAIN STREET SUITE 1800 CLEVELAND, OH 44113 | METLIFE LEGAL PLANS | $21K | $0 | $21K | 3.73% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE EAST SUITE1500 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 0.78% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | DBA WINSTON BENEFITS 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $0 | $453 | $453 | 0.08% |
| THE JAMES B OSWALD COMPANY3 | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METLIFE LEGAL PLANS | $0 | $110 | $110 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $55 | $39K | 7.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD DR STE 300 KIRKWOOD, OH 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $10 | $2K | 0.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $55 | $28K | 7.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $10 | $1K | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTIGO HEALTH, LLC EIN 34-1593929 ADMINISTRATIVE FEES | Other services Service code 49 | — | $5.3M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $942K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator 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 | 27,928 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 27,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 5,328 | $983K |
| Life insurance | MEDMUTUAL LIFE | 27,928 | $10.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,142 | $896K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22,577 | $3.7M |
| Other(3 contracts, 3 carriers) | MEDMUTUAL LIFE | 27,928 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,928 | — |
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.