| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC0 | 2839 PACES FERRY RD SE SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 5.00% |
| UMR, INC.3 | 5151 PFEIFFER RD, ML 400 CINCINNATI, OH 45242 | 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 | $6K | $0 | $6K | 5.71% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MATCHTOWER TECHNOLOGIES, INC.3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGE, IL 60606 | 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 | $11K | $0 | $11K | 11.68% |
| 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 | 11.80% |
| ASSUREX4 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY4 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $3K | — | $3K | 11.75% |
| 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 | ALLSTATE BENEFITS | $1K | $0 | $1K | 61.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $93K |
| THE JAMES B OSWALD CO EIN 34-0445620 BROKER | Other commissions Service code 55 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | $57K |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 231 | $99K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 231 | $99K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 371 | $119K |
| Short-term disability | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 371 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 69 | $28K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 256 | $586K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 371 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.