| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.44% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 16.11% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $711 | — | $711 | 1.89% |
| MICHAEL K OBRIEN3 Filed as: MICHAEL W. BRUIN | 3988 MILES AVE NW CANTON, OH 44718 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $578 | — | $578 | 1.53% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $362K |
| BRS GROUP LTD EIN 34-1795755 BROKER | Other commissions Service code 55 | — | $35K |
| UNUM LIFE INS CO OF AMERICA EIN 01-0278678 CLAIMS PROCESSING | Claims processing Service code 12 | — | $12K |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $175K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $116K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.