| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 6.24% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE. SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 2.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.16% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $464 | $464 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.22% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE C/O OSWALD CTR SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $149 | $2K | $2K | 1.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $224 | $224 | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 17.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $952 | — | $952 | 5.70% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $236 | $244 | $480 | 2.87% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $35 | $35 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $661 | — | $661 | 14.42% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $69 | $69 | 1.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $710 | — | $710 | 15.86% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $67 | $67 | 1.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST | 950 MAIN STREET SUITE 1600 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | — | $557 | 13.75% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $61 | $61 | 1.51% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 89 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $221K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $106K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.