| 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 | $35K | $16K | $52K | 4.42% |
| ERC SERVICES INC3 | 3333 RICHMOND RD, STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $5K | — | $5K | 0.41% |
| 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 | 12.36% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $501 | $501 | 1.22% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $180 | — | $180 | 0.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $948 | $193 | $1K | 20.79% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $237 | $10 | $247 | 4.50% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.93% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $559 | $151 | $710 | 23.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $140 | $10 | $150 | 5.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 1.04% |
| 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 | $250 | $81 | $331 | 12.10% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $34 | $34 | 1.24% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE CLEVELAND, OH 44113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.88% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $497 | $114 | $611 | 23.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $124 | $10 | $134 | 5.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 441225646 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28 | $28 | 1.07% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 199 | $1.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 199 | $1.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 199 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $41K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.