| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 250 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 3.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 950 MAIN AVENUE, SUITE 200 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 250 INDEPENDENCE, OH 44131 | SYMETRA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 950 MAIN AVENUE CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIROR AVENUE, SUITE 1330 CLEVELAND, OH 44113 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.41% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 250 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.29% |
| UNKNOWN3 | UNKNOWN YOUNGSTOWN, OH 44509 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.93% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 332 | $168K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $45K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 141 | $68K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 141 | $68K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 141 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
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.