| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $71K | $80K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BLVD STE 210 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $31K | $35K | 1.28% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BLVD STE 210 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | — | $173 | 0.26% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 10.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BLVD STE 210 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.83% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $888 | $270 | $1K | 14.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BLVD STE 210 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330 | — | $330 | 4.06% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | $123 | $230 | 15.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6480 ROCKSIDE WOODS BLVD STE 210 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 2.66% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $2.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 35 | $8K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.