| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 3.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | DELTA DENTAL OF OHIO | $4K | — | $4K | 6.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.54% |
| WATCH TOWER BENEFITS3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $732 | $732 | 1.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | DELTA DENTAL OF OHIO | $923 | — | $923 | 9.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | MEDMUTUAL LIFE INSURANCE COMPANY | $198 | $66 | $264 | 19.75% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 183 | $62K |
| Vision | DELTA DENTAL OF OHIO | 138 | $9K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 133 | $50K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 133 | $49K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 133 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.