| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $124K | — | $124K | 34.80% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 10.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 5.81% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITIAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 9.02% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 110 GARLAND AVE SUITE 203 ORLANDO, FL 328013277 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $442 | $442 | 0.35% |
| CLYDE K. HULL, SR.3 | 25 APPLE ORCHARD LANE CLOVER, SC 29710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.05% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $973 | — | $973 | 0.81% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 214 | $126K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 214 | $126K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 214 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $120K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $356K |
| Other(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 214 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.