| 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 | $14K | $2K | $16K | 5.55% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.54% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.91% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.58% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGE, IL 60606 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 1.48% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 14.37% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.93% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $996 | — | $996 | 1.25% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $551 | $4K | 13.77% |
| THE JAMES B OSWALD COMPANY4 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $411 | $3K | 14.79% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $539 | — | $539 | 2.77% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $248 | — | $248 | 1.27% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | ALLSTATE BENEFITS | $1K | — | $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 | $90K |
| THE JAMES B OSWALD CO EIN 34-0445620 BROKER | Other commissions Service code 55 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | $54K |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 231 | $87K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 231 | $87K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $288K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.