| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED C. CHURCH INC.3 Filed as: FRED C CHRUCH INC | 41 WELLMAN ST LOWELL, MA 01851 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $2K | $27K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 730182 DALLAS, TX 75373 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 1.24% |
| MIKE SLADE3 | NAVITECH 8215 ROYAL SAINT GEORGES WAY DULUTH, GA 30097 | LEGALPLANS, USA | $3K | — | $3K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 2,272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS, INC. | 893 | $163K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,318 | $159K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,798 | $1.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,798 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,798 | $1.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,798 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,318 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.