| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E. CLEVELAND, OH 44114 | MEDICAL MUTUAL | $14K | $18K | $32K | 2.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.84% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 18.65% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $491 | $491 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 18.70% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $390 | $390 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 18.37% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $377 | $377 | 1.49% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.52% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $225 | $225 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E., SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $989 | $250 | $1K | 22.97% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $270 | — | $270 | 5.01% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 97 | $1.5M |
| Dental | DELTA DENTAL OF OHIO | 210 | $82K |
| Vision | STANDARD INSURANCE COMPANY | 96 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $25K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 123 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 123 | $33K |
| Prescription drug | MEDICAL MUTUAL | 97 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 123 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.