| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $42K | $2K | $44K | 3.72% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $7K | $876 | $7K | 12.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 9.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | TRUSTMARK INSURANCE COMPANY | $860 | — | $860 | 9.67% |
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. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 165 | $1.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 165 | $1.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 165 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 102 | $62K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 102 | $62K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 102 | $62K |
| Other(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 102 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.