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| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $392K |
| JAMES A SCOTT & SON INC EIN 54-0372970 BROKER | Other commissions Service code 55 | SCOTT INSURANCE, 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | $10K |
| M3 INSURANCE SOLUTIONS IN EIN 39-1141360 BROKER | Other commissions Service code 55 | PO BOX 8950 MADISON, WI 53708 | $5K |
| ALERA GROUP INC EIN 36-3001763 BROKER | Other commissions Service code 55 | GCG FINANCIAL IN, 3 PARKWAY N #500 DEERFIELD, IL 600152567 | $4K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 743 | $249K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 743 | $249K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 826 | $157K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $146K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $43K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 359 | $1.2M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 826 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.