| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | — | $18K | 4.94% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 7.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 4.59% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $644 | $26K | 19.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 4.98% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 7.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 4.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE | $6K | — | $6K | 10.64% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $353 | $5K | 13.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $603 | $2K | 4.60% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $86 | $4K | 19.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $694 | $325 | $1K | 4.98% |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 552 | $366K |
| Vision | EYEMED VISION CARE | 774 | $61K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $332K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 690 | $130K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.