| 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 | $29K | $4K | $34K | 1.62% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $11K | — | $11K | 0.55% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 8.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 C/O OSWALD CENTRE CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $993 | $4K | 4.58% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $916 | — | $916 | 6.53% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH STREET #600 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $364 | — | $364 | 2.60% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 343 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $94K |
| Vision | HUMANA INSURANCE COMPANY | 166 | $16K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $120K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $106K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $106K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 171 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.