| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2300 WINDY RIDGE PARKWAY SUITE 695S ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 7.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.62% |
| THE JAMES B OSWALD COMPANY3 | 950 MAIN AVE STE 1800 CLEVELAND, OH 44113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $742 | $4K | 6.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.00% |
| WATCHOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.79% |
| GARY N BAURER3 | 10 WATERSIDE PLAZA, APT 19 F NEW YORK, NY 10010 | THE LINCOLN NATIONAL LIFE | $3K | — | $3K | 13.16% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD, STE 403 WOODBURY, NY 11797 | THE LINCOLN NATIONAL LIFE | — | $1K | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LASALLE ST FL 20 CHICAGO, IL 606019300 | THE LINCOLN NATIONAL LIFE | — | $63 | $63 | 0.27% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $191 | $2K | 15.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $477 | $477 | 4.65% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E, SUITE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE CO | $901 | — | $901 | 9.96% |
| GIBSON MYERS & ASSOCIATES INC3 | 2876 S ARLINGTON RD AKRON, OH 44312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.03% |
| JOSEPHINE VENDITELLI3 | 6465 S SUNBURY RD, APT R5 WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 2.38% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.38% |
| DAVID L SMELCER3 | 3137 TOWNSHIP RD 97 MCCOMB, OH 45858 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.19% |
| CHARLES D MERS AND ASSOC3 Filed as: CHARLES D MERS AND ASSOCIATES | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Contract Administrator Service code 13 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $58K |
| Vision | AETNA LIFE INSURANCE CO | 188 | $9K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $82K |
| Long-term disability | THE LINCOLN NATIONAL LIFE | 132 | $24K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 150 | $345K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
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.