| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUMAN SOLUTIONS GROUP3 | 600 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $105K | $105K | 4.17% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 1.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 353 W NATIONWIDE BLVD COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 0.82% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $268 | $268 | 0.01% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN SOLUTIONS GROUP LLC | 600 BROADHOLLOW RD MELVILLE, NY 117475016 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.26% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 117883914 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY/OSWALD CO | 1100 SUPERIOR AVE E SUITE 1500 CLEVELAND, OH 441142544 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $950 | $3K | 1.41% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $920 | $1K | $2K | 1.25% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN SOLUTIONS GROUP | 600 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $436 | — | $436 | 10.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN SOLUTIONS GROUP | 600 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 35.89% |
| NEW YORK CITY OFFICE, DIRECT BUSIN3 | 666 THIRD AVE SUITE 301 NEW YORK, NY 10017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN SOLUTIONS GROUP | 600 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $153 | — | $153 | 5.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN SOLUTIONS GROUP | 600 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $147 | — | $147 | 5.00% |
| ACUMEN ADVISORS INC3 Filed as: ACUMEN SOLUTIONS GROUP | 600 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $325 | — | $325 | 60.07% |
No Schedule C service providers reported on this filing.
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $186K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $186K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $186K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $2.5M |
| Other(5 contracts, 3 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 27 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.