| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $50K | $24K | $74K | 5.57% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 3333 RICHMOND ROAD, SUITE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $10K | $0 | $10K | 0.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, MO 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 7.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 2.01% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 275 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $250K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $250K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $250K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $250K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $250K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 275 | $1.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.