| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | GUARDIAN | $17K | — | $17K | 15.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS REASEARCH LLC | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $17K | — | $17K | 15.85% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 13.77% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.92% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.47% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.91% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 6.11% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGE, IL 60606 | STARMOUNT LIFE INSURANCE COMPANY | $932 | — | $932 | 1.83% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $588 | $4K | 13.98% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.99% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $441 | — | $441 | 1.50% |
| THE JAMES B OSWALD COMPANY4 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $418 | $3K | 13.51% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.83% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $314 | — | $314 | 1.45% |
| THE JAMES B OSWALD COMPANY3 | SUITE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $2K | $212 | $2K | 18.27% |
| THE JAMES B OSWALD COMPANY3 | SUITE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $958 | $251 | $1K | 13.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES BE OSWALD COMPANY | SUITE 1500 1100 SUPERIOR AVE CELEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $977 | $259 | $1K | 14.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE JAMES B OSWALD CO EIN 34-0445620 BROKER | Other commissions Service code 55 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | $16K |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 477 | $159K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 477 | $159K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 477 | $202K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 477 | $181K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 477 | $138K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE CORPORATION | 53 | $252K |
| Other(5 contracts, 3 carriers) | GUARDIAN | 477 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.