| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | AETNA LIFE INSURANCE CO. | $10K | $5K | $15K | 0.79% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $775 | $7K | 12.29% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $583 | $2K | $3K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$38 | $2K | $2K | 2.90% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $671 | $8K | 17.91% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $515 | $2K | $2K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 3.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $413 | $5K | 17.61% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $344 | $1K | $1K | 5.00% |
| WATHTOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $846 | $846 | 2.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD COMPANY INC | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $67 | $1K | 19.82% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $577 | $49 | $626 | 18.86% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | $127 | $177 | 5.33% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $102 | $102 | 3.07% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $146 | $73 | $219 | 14.94% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11 | $61 | $72 | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES B OSWALD COMPANY EIN 34-0445620 BROKER | Insurance agents and brokers Service code 22 | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | $73K |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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) | AETNA LIFE INSURANCE CO. | 251 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO. | 251 | $1.9M |
| Vision | AETNA LIFE INSURANCE CO. | 251 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $29K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $44K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.