| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $36K | $2K | $39K | 5.29% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE, STE. 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $323 | — | $323 | 0.04% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 7.08% |
| SELDON BRUSA INSURANCE AGENCY3 Filed as: SELDON BRUSA INSURANCE AGENCY, INC. | 1100 W TOKAY ST., STE. B LODI, CA 952403853 | KAISER FOUNDATION HEALTH PLAN INC. | -$582 | — | -$582 | -0.21% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 13.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE C/O OSWALD CTR SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 10.56% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 151 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $114K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 154 | $11K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $114K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $114K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $114K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.