| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY RD SE STE 830 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | — | $43K | $43K | 7.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 6.98% |
| CENTRO BENEFITS RESEARCH LLC5 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.61% |
| GARY N BAURER3 | 10 WATERSIDE PLAZA APT 19F NEW YORK, NY 10010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.14% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD. STE 403 WOODBURY, NY 11797 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $352 | $3K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC5 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $811 | — | $811 | 4.60% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 10.91% |
| GIBSON MYERS & ASSOCIATES INC3 | 2876 S ARLINGTON RD AKRON, OH 44312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 1.94% |
| JOSEPHINE VENDITELLI3 | 6465 S SUNBURY RD APT R5 WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.31% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.51% |
| DAVID L SMELCER3 Filed as: DAVID LEE SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.20% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN BYME | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| DAVID E HAUCK3 | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | 3410 MAGNOLIA WAY BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Plan Administrator Service code 14 | — | $9K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 06-6033492 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $3K |
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 | 173 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $63K |
| Vision | AETNA LIFE INSURANCE CO | 198 | $12K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $33K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 239 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.