| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE STE 1500 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | — | $109K | $109K | 5.47% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE STE 1500 CLEVELAND, OH 44114 | GUARDIAN | $19K | — | $19K | 14.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $3K | — | $3K | 2.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE STE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.53% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $924 | — | $924 | 5.04% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 3.55% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE STE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $985 | — | $985 | 165.27% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 275 | $2.0M |
| Dental | DELTA DENTAL OF OHIO | 306 | $84K |
| Vision(2 contracts) | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | 255 | $19K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 260 | $137K |
| Short-term disability | GUARDIAN | 260 | $135K |
| Long-term disability | GUARDIAN | 260 | $135K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 260 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.