| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COPMANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVLAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $22K | $8K | $30K | 12.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 2.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $1K | — | $1K | 4.54% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 268 | $206K |
| Vision | VISION SERVICE PLAN | 331 | $29K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 329 | $238K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 329 | $238K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 329 | $238K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 283 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.