| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE CO. | — | $41K | $41K | 0.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $16K | — | $16K | 3.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $5K | $19K | 12.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 4.61% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $2K | — | $2K | 2.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVENUE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $10K | 12.25% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 4.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 12.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 4.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $539 | $2K | 12.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $619 | $236 | $855 | 4.61% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $921 | $142 | $1K | 11.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $399 | $61 | $460 | 4.82% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 20.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET STE #5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $90 | $90 | 1.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $787 | — | $787 | 19.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET STE #5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $59 | $59 | 1.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $683 | — | $683 | 20.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 MONROE STREET STE #5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $51 | $51 | 1.49% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,448 | $6.6M |
| Dental | DELTA DENTAL OF OHIO | 1,374 | $529K |
| Vision | VISION SERVICE PLAN | 649 | $90K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,048 | $156K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,027 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 600 | $82K |
| Other(4 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 600 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,448 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.