| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCMANAMON FINANCIAL SERVICES, INC. | 1468 W. NINTH ST SUITE 805 CLEVELAND, OH 44113 | UNION LABOR LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNION LABOR LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $263K |
| POTTS-DUPRE, HAWKINS, AND KRAMER EIN 52-1660807 NONE | Direct payment from the plan; Legal Service code 29 | 900 7TH ST NW 1020 WASHINGTON, DC 20001 | $111K |
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Copying and duplicating; Plan Administrator Service code 14 | 3660 STUTZ DR, LL 101 CANFIELD, OH 44406 | $79K |
| DGPERRY EIN 83-3033790 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 3711 STARRS CENTRE DR CANFIELD, OH 44406 | $26K |
| WARREN T. SMITH ASSISTANT ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $22K |
| FIFTH THIRD BANK RETIREMENT SERVICE EIN 31-1051736 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 1 SOUTH MAIN STREET DAYTON, OH 45403 | $15K |
| THE UNION LABOR LIFE INSURANCE EIN 13-1423090 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1625 EYE STREET N.W. WASHINGTON, DC 20006 | $15K |
| PART D ADVISORS NONE | Consulting (general); Direct payment from the plan Service code 16 | 17199 N. LAUREL PARK DR LIVONIA, MI 48152 | $15K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 N MERIDAN ST 610 CARMEL, IN 460324529 | $12K |
| CITY PRINTING CO NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 2204 LINE AVE SHREVEPORT, LA 71104 | $8K |
| BENEFITS MANAGEMENT GROUP, INC. EIN 36-2125291 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 625 ENTERPRISE DRIVE OAK BROOK, IL 60523 | $7K |
| AT&T EIN 42-1301883 NONE | Direct payment from the plan; Other services Service code 49 | 208 S. AKARD STREET DALLAS, TX 75202 | $6K |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 630 | $380K |
| Vision | EYEMED VISION CARE | 1,655 | $35K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO. | 693 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,655 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.