| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY | $64K | $8K | $72K | 5.95% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | SUN LIFE AND HEALTH INSURANCE COMPANY | $45K | $0 | $45K | 3.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W. VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $19K | $0 | $19K | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHULTE ROTH & ZABEL EIN 13-2633796 NONE | Legal Service code 29 | — | $97K |
| PKF O'CONNOR DAVIES, LLP EIN 27-1728945 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| MIRAIMAGE EIN 11-2001170 NONE | Consulting fees Service code 70 | — | $6K |
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 | 7,815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,834 | $1.2M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,834 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,834 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.