| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 4.91% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC. | 17000 KERCHEVAL STE 210 GROSSE POINTE, MI 48230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 2.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 0.94% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC. | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE WOODS, MI 48230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 16.28% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.13% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 4.23% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC. | 17000 KERCHEVAL STE 210 GROSSE POINTE, MI 48230 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4 | — | $4 | 11.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 | Plan Administrator; Claims processing; Other services Service code 12 | — | $463K |
| AETNA EIN 06-6033492 | Other services; Claims processing Service code 12 | — | $166K |
| THE JAMES B OSWALD COMPANY EIN 34-0445620 | Insurance agents and brokers; Consulting (general) Service code 16 | — | $80K |
| TELADOC EIN 04-3705970 | Claims processing; Other services; Plan Administrator Service code 12 | — | $18K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 | Claims processing; Other services; Plan Administrator Service code 12 | — | $15K |
| EYEMED EIN 86-0773195 | Claims processing; Other services Service code 12 | — | $13K |
| MULTIPLAN, INC EIN 13-3068979 | Plan Administrator; Other services; Claims processing Service code 12 | — | $10K |
| CIGNA PPO EIN 59-1031071 | Other services; Claims processing Service code 12 | — | $8K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other services; Claims processing Service code 12 | — | $5K |
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 | 977 | 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) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 963 | $84K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $800K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $833K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $800K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 906 | $805K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.