| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $57K | $40K | $97K | 7.68% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR OSWALD, LLC | 1100 SUPERIOR AVENUE EAST SUITE 1330 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $33 | $26K | 9.83% |
| WATCHTOWER BENEFITS, LLC3 | 277 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.17% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE | 20 COMMERCE WAY, SUITE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | $0 | $256 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1100 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.04% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 12404 | METROPOLITAN LIFE INSURANCE COMPANY | $102 | $0 | $102 | 0.04% |
| UNKNOWN3 | UNKNOWN CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.02% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 290 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $269K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $269K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $269K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $269K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $269K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 290 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.