| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST WAUSAU, WI 54403 | NATIONWIDE LIFE INSURANCE COMPANY | $123K | — | $123K | 33.30% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | NATIONWIDE LIFE INSURANCE COMPANY | $40K | — | $40K | 10.70% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | NATIONWIDE LIFE INSURANCE COMPANY | $22K | — | $22K | 5.84% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITIAN LIFE INSURANCE COMPANY | $8K | $3K | $10K | 8.49% |
| CLYDE K. HULL, SR.3 | 7505 WATERS AVE. SUITE C8 SAVANNAH, GA 31406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.97% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $582 | — | $582 | 0.50% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 239 | $122K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 239 | $122K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 239 | $239K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $116K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 147 | $369K |
| Other(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 239 | $239K |
| 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.