| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E SUITE 1500 CLEVELAND, OH 44114 | SUNLIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 2.18% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITIAN LIFE INSURANCE COMPANY | $9K | $391 | $10K | 6.82% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 110 GARLAND AVE SUITE 203 ORLANDO, FL 328013277 | METROPOLITIAN LIFE INSURANCE COMPANY | $801 | — | $801 | 0.55% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $98K |
| STERLING SEACREST PARTNERS INC EIN 45-0491669 BROKER | Other commissions Service code 55 | — | $38K |
| THE JAMES B OSWALD CO EIN 34-0445620 BROKER | Other commissions Service code 55 | — | $21K |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 245 | $145K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 245 | $145K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 245 | $234K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 239 | $89K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 147 | $422K |
| Other(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 245 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.