| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE CO. DBA ANTHEM BLUE CROSS BLUE SHIELD | $21K | $4K | $25K | 3.43% |
| ERC SERVICES INC3 Filed as: ERC SERVICES | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE CO. DBA ANTHEM BLUE CROSS BLUE SHIELD | $1K | $0 | $1K | 0.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.41% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 13.69% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 13.77% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 20.26% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE CO. DBA ANTHEM BLUE CROSS BLUE SHIELD | 117 | $729K |
| Dental | STANDARD INSURANCE COMPANY | 118 | $50K |
| Vision | COMMUNITY INSURANCE CO. DBA ANTHEM BLUE CROSS BLUE SHIELD | 117 | $729K |
| Life insurance | STANDARD INSURANCE COMPANY | 181 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 58 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 176 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.