| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $33K | $14K | $47K | 5.44% |
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFITS AGCY INC | 31300 SOLON ROAD #8 SOLON, OH 44139 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 12.07% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $557 | — | $557 | 0.56% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $1K | — | $1K | 5.48% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $479 | $2K | 14.30% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $324 | $1K | 14.06% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $272 | $1K | 18.80% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | $184 | $875 | 16.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | VISION SERVICE PLAN | $335 | — | $335 | 9.99% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | VISION SERVICE PLAN | $84 | — | $84 | 2.51% |
| THE JAMES B OSWALD COMPANY3 | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $571 | $54 | $625 | 39.86% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 87 | $873K |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $167K |
| Vision | VISION SERVICE PLAN | 52 | $3K |
| Life insurance(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $182K |
| Short-term disability(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $169K |
| Long-term disability(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $169K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.