| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $75K | $3K | $79K | 2.29% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.56% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE STREET STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $815 | $815 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.80% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE STREET STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $769 | $769 | 1.50% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.99% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 48.52% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 73.42% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 455 | $3.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 455 | $3.4M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 230 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.