| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL OF OHIO | $72K | $29K | $101K | 4.81% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $17K | $36K | 9.65% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 26.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $1K | $59 | $1K | 10.10% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | — | $1K | 10.14% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 191 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $375K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 345 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $375K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $375K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $375K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 191 | $2.1M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.