| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 1.94% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE ST STE 2400 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.69% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | $13K | $72K | 11.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $18K | $18K | 2.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE. STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $12K | $72K | 18.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE. STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $9K | $60K | 17.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD CO. | 950 MAIN AVE. STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $7K | $36K | 14.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.12% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 18.07% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.08% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE SUITE 1800 CLEVELAND, OH 44113 | HARTFORD LIFE AND ACCIDENT | $12K | $1K | $14K | 17.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 4.97% |
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 | 1,544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $1.3M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,081 | $773K |
| Vision(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $248K |
| Life insurance(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,544 | $714K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,544 | $369K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,544 | $544K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,544 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.