| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $73K | $43K | $115K | 3.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, IL 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 6.15% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$466 | $3K | $3K | 1.50% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 198 | $3.0M |
| Dental | MEDICAL MUTUAL OF OHIO | 198 | $3.0M |
| Vision | MEDICAL MUTUAL OF OHIO | 198 | $3.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $182K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $182K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $182K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 198 | $3.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.