| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC J LASCESKI3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $65K | — | $65K | 2.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 8.93% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $6K | $22K | 5.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 54.39% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $679 | $339 | $1K | 5.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 61.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $709 | $355 | $1K | 6.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 54.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $555 | $278 | $833 | 5.08% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 351 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $426K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $426K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $426K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $426K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $426K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 351 | $2.6M |
| Other(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 405 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.