| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE STE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $71K | $29K | $101K | 4.21% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 3333 RICHMOND RD STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $10K | — | $10K | 0.42% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.08% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $2K | $840 | $3K | 13.07% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | VISION SERVICE PLAN | $1K | — | $1K | 5.49% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $648 | $648 | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $608 | $608 | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $527 | $527 | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 950 MAIN AVENUE, SUITE 1800 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $276 | — | $276 | 9.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $138 | $138 | 4.99% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 333 | $2.4M |
| Dental | COMMUNITY INSURANCE COMPANY | 333 | $2.4M |
| Vision | VISION SERVICE PLAN | 188 | $21K |
| Life insurance(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 230 | $63K |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 230 | $59K |
| Long-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 230 | $58K |
| Other(5 contracts, 4 carriers) | COMMUNITY INSURANCE COMPANY | 333 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.