| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 39 E. MARKET STREET #101 AKRON, OH 44308 | THP INSURANCE COMPANY | — | $2K | $2K | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OSWALD COMPANIES EIN 34-0445620 | Contract Administrator Service code 13 | — | $43K |
| SUN LIFE EIN 38-1082080 | Contract Administrator Service code 13 | — | $33K |
| BMI AUDIT SERVICES EIN 38-4091484 | Accounting (including auditing) Service code 10 | — | $19K |
| HW&CO. EIN 34-1663157 | Accounting (including auditing) Service code 10 | — | $18K |
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 | 402 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THP INSURANCE COMPANY | 520 | $890K |
| Prescription drug(2 contracts, 2 carriers) | THP INSURANCE COMPANY | 520 | $890K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THP INSURANCE COMPANY | 520 | $890K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.