| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $49K | $42K | $90K | 6.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $56K | $60K | 5.20% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 8.62% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $235 | $3K | 40.83% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OWSALD COMPANY | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | EYEMED | $522 | — | $522 | 8.29% |
| ASSUREX3 Filed as: ASSUREX GLABAL CORPORATION | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | EYEMED | $65 | — | $65 | 1.03% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 155 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $1.2M |
| Vision(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 237 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $36K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $36K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 155 | $2.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
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.