| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $78K | $30K | $108K | 5.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 15.35% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $6K | $27K | 12.63% |
| GREENWALD UNDERWRITING ASSOCIATES3 | 5771 MAYFAIR RD NORTH CANTON, OH 44720 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.47% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STANDARD LIFE AND ACCIDENT | $18K | $0 | $18K | 10.00% |
| BROKERNET INC3 Filed as: BROKERNET, INC | 110 NORTHWOODS BLVD., STE. C COLUMBUS, OH 43235 | STANDARD LIFE AND ACCIDENT | $9K | $0 | $9K | 5.18% |
| MWG BROKER SERVICES3 | P O BOX 14067 JACKSON, MS 392364067 | STANDARD LIFE AND ACCIDENT | $9K | $0 | $9K | 5.00% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 246 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $216K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $216K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $216K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $397K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $216K |
| Prescription drug | MEDICAL MUTUAL | 246 | $2.0M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.