| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | OSWALD CENTRE, 1100 SUPERIOR CLEVELAND, OH 44114 | MEDICAL MUTUAL | — | $31K | $31K | 1.33% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $3K | — | $3K | 2.34% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 150 | $2.3M |
| Dental | DELTA DENTAL OF OHIO | 366 | $126K |
| Vision | VISION SERVICE PLAN | 156 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $90K |
| Prescription drug | MEDICAL MUTUAL | 150 | $2.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.