| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY RD SE SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 5.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| UMT, INC.3 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.81% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $10K | $0 | $10K | 10.73% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $5K | $0 | $5K | 14.61% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $3K | $0 | $3K | 11.69% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $3K | $0 | $3K | 11.58% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $109K |
| THE JAMES B OSWALD CO EIN 34-0445620 BROKER | Other commissions Service code 55 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | $66K |
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 | 472 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 266 | $109K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 266 | $109K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 470 | $119K |
| Short-term disability | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 470 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 92 | $28K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $635K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 470 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.