| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | CIGNA | $2K | — | $2K | 0.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | GUARDIAN | $20K | — | $20K | 13.78% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, INC. | 1900 POLARIS PARKWAY, SUITE 450 COLUMBUS, OH 43240 | GUARDIAN | $9K | $3K | $12K | 8.46% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFIS RESEARCH, LLC | 325 N. KIRKWOOD ROAD, SUITE KIRKWOOD, MO 63122 | GUARDIAN | $7K | — | $7K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $6K | — | $6K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $2K | $984 | $3K | 7.37% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 101 | $369K |
| Dental(2 contracts, 2 carriers) | CIGNA | 132 | $511K |
| Vision | GUARDIAN | 132 | $142K |
| Life insurance(2 contracts) | GUARDIAN | 153 | $183K |
| Short-term disability | GUARDIAN | 132 | $142K |
| Long-term disability | GUARDIAN | 153 | $42K |
| Other | GUARDIAN | 153 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.