| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 950 MAIN AVE CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $43K | $12K | $55K | 11.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MA 63122 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $41K | — | $41K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $13K | — | $13K | 3.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 950 MAIN AVE. CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $35K | $3K | $38K | 47.55% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MA 63122 | SYMETRA LIFE INSURANCE COMPANY | — | $488 | $488 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $163K |
| THE JAMES B. OSWALD COMPANY BROKER | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 1360 E. 9TH ST. #600 CLEVELAND, OH 44114 | $35K |
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 | 988 | 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) | 988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 642 | $407K |
| Vision | GUARDIAN | 642 | $407K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 988 | $486K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 988 | $486K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 988 | $486K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 988 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 988 | — |
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.