| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 11 SCOTT STREET STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.67% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.93% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.95% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 17.72% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.00% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $399 | $2K | 18.23% |
| MICHAEL K OBRIEN3 Filed as: MICHAEL W. BRUIN | 3988 MILES AVE NW CANTON, OH 44718 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 2.01% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 1.41% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $860 | — | $860 | 9.19% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.97% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $495 | — | $495 | 9.07% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $297 | — | $297 | 9.12% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $248 | — | $248 | 9.17% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 100.00% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | $71 | $372 | 17.30% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99 | $14 | $113 | 17.12% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54 | — | $54 | 9.05% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 10.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $354K |
| BRS GROUP LTD EIN 34-1795755 BROKER | Other commissions Service code 55 | — | $35K |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $75K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $59K |
| Other(12 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 364 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.