| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | US FIRE INSURANCE - PARTNERS MGE GENERAL | $30K | — | $30K | 14.24% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.87% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.58% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.03% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.67% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $979 | — | $979 | 9.91% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.80% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $618 | — | $618 | 10.00% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $309 | — | $309 | 10.00% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $266 | — | $266 | 9.98% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $275 | — | $275 | 15.03% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | — | $107 | 14.97% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65 | — | $65 | 10.06% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | 10.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $323K |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $106K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $30K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $38K |
| Other(9 contracts, 2 carriers) | US FIRE INSURANCE - PARTNERS MGE GENERAL | 315 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
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.