| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $34K | $15K | $49K | 4.39% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $6K | — | $6K | 0.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.23% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $494 | $494 | 1.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | METROPOLIRAN LIFE INSURANCE COMPANY | $835 | $261 | $1K | 24.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLIRAN LIFE INSURANCE COMPANY | $209 | $83 | $292 | 6.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | METROPOLIRAN LIFE INSURANCE COMPANY | $575 | $206 | $781 | 24.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLIRAN LIFE INSURANCE COMPANY | $144 | $58 | $202 | 6.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $262 | $76 | $338 | 12.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $32 | $32 | 1.22% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441142544 | METROPOLIRAN LIFE INSURANCE COMPANY | $321 | $158 | $479 | 23.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLIRAN LIFE INSURANCE COMPANY | $80 | $32 | $112 | 5.59% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 191 | $1.1M |
| Dental | COMMUNITY INSURANCE COMPANY | 191 | $1.1M |
| Vision | COMMUNITY INSURANCE COMPANY | 191 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $39K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.