| 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. | $1K | $0 | $1K | 0.18% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $921 | $921 | 5.00% |
| WATCH TOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $276 | $276 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $891 | $891 | 5.00% |
| WATCH TOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $267 | $267 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC0 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $562 | $562 | 5.00% |
| WATCH TOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $168 | $168 | 1.49% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185 | $0 | $185 | 14.93% |
| CENTRO BENEFITS RESEARCH LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $62 | $62 | 5.00% |
| WATCH TOWER TECHNOLOGIES INC0 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18 | $18 | 1.45% |
| 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 | $29K |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 0 | $622K |
| Dental | AETNA LIFE INSURANCE CO. | 0 | $622K |
| Vision | AETNA LIFE INSURANCE CO. | 0 | $622K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.