| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES P OSWALD COMPANY | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $7K | $17K | 12.93% |
| DAILYFEATS INC.3 | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.00% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST., FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $338 | — | $338 | 1.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | PRUDENTIAL FINANCIAL | $937 | — | $937 | 17.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE CO. DBA ANTHEM EIN 31-1440175 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Non-monetary compensation; Other fees; Other services; Other commissions Service code 12 | — | $125K |
| INGENIORX, INC. EIN 82-3062245 NONE | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $43K |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $131K |
| Vision | EYEMED VISION CARE | 270 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $137K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $131K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $131K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 199 | $334K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.