| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL GROSSE POINTE, MI 48230 | AETNA LIFE INSURANCE CO. | — | $9K | $9K | 1.76% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $924 | $39K | 12.78% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 600 UNIVERSITY ST SUITE 2100 SEATTLE, WA 98101 | COMPANION LIFE INSURANCE COMPANY | $21K | $5K | $27K | 8.74% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $763 | $10K | 5.40% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STARMONT LIFE INSURANCE COMPANY | $8K | $479 | $9K | 6.35% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $3K | $32 | $3K | 11.40% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | UNUM INSURANCE COMPANY | $5K | $135 | $5K | 25.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 | Other services; Plan Administrator; Claims processing Service code 12 | — | $257K |
| BRIEDEN CONSULTANT GROUP EIN 46-2027546 | Consulting (general); Insurance agents and brokers Service code 16 | — | $69K |
| COFINITY EIN 20-1274723 | Other services; Claims processing Service code 12 | — | $65K |
| UNUM LIFE INS COMPANY OF AMERICA EIN 01-0278678 | Plan Administrator Service code 14 | — | $21K |
| MULTIPLAN, INC EIN 13-3068979 | Other services; Claims processing; Plan Administrator Service code 12 | — | $19K |
| THE JAMES B OSWALD COMPANY EIN 34-0445620 | Consulting (general); Insurance agents and brokers Service code 16 | — | $14K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 | Other services; Claims processing; Plan Administrator Service code 12 | — | $13K |
| FIRST HEALTH EIN 20-1736437 | Other services; Claims processing Service code 12 | — | $12K |
| CHANGE HEALTHCARE EIN 20-5716594 | Claims processing; Other services Service code 12 | — | $10K |
| TELADOC EIN 04-3705970 | Plan Administrator; Claims processing; Other services Service code 12 | — | $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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMONT LIFE INSURANCE COMPANY | 137 | $137K |
| Vision | HERITAGE VISION PLANS INC. | 1,037 | $62K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $496K |
| Short-term disability | UNUM INSURANCE COMPANY | 96 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $307K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 642 | $304K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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.