| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES BARTON3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $17K | — | $17K | 12.00% |
| BARTON JAMES BENSON3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $9K | — | $9K | 9.58% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE | $7K | — | $7K | 7.17% |
| JIM BARTON & ASSOCIATES, INC.3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $8K | — | $8K | 12.00% |
| JIM BARTON & ASSOCIATES, INC.3 Filed as: JIM BARTON & ASSOCIATES | 945 RIVER ROAD GRANVILLE, OH 43023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 42.51% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 42.51% |
| BARTON JAMES BENSON3 Filed as: BARTON JAMES | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $2K | — | $2K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS | POST OFFICE BOX 644213 PITTSBURGH, PA 15264 | PROVIDENT LIFE | $4 | $10 | $14 | 0.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $178K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | P.O. BOX 476 GRANVILLE, OH 43023 | $75K |
| CIGNA EIN 59-1031071 DENTAL CLAIMS PROCESSOR | Claims processing Service code 12 | — | $20K |
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 | 783 | 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) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 676 | $51K |
| Life insurance | UNUM LIFE | 831 | $140K |
| Long-term disability(2 contracts) | UNUM LIFE | 831 | $153K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE | 390 | $675K |
| Other(5 contracts, 3 carriers) | UNUM LIFE | 831 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 831 | — |
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.