| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E. CLEVELAND, OH 44114 | MEDICAL MUTUAL | $17K | $20K | $37K | 2.58% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $4K | — | $4K | 5.55% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 17.57% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $611 | $611 | 1.93% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 17.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $431 | $431 | 1.92% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 17.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $363 | $363 | 1.92% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.36% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $294 | $294 | 1.97% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E., SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $1K | $110 | $1K | 47.99% |
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) | MEDICAL MUTUAL | 115 | $1.4M |
| Dental | DELTA DENTAL OF OHIO | 225 | $76K |
| Vision | STANDARD INSURANCE COMPANY | 101 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $32K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 127 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 127 | $22K |
| Prescription drug | MEDICAL MUTUAL | 115 | $1.4M |
| Other | STANDARD INSURANCE COMPANY | 127 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.