| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED SALES SOLUTIONS3 | 12007 N RESEARCH BLVD SUITE 201 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 0.45% |
| CONSOLIDATED SALES SOLUTIONS3 | 12007 N RESEARCH BLVD SUITE 201 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 0.93% |
| CONSOLIDATED SALES SOLUTIONS3 | 12007 N RESEARCH BLVD SUITE 201 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.86% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139K | $12K | $151K | 31.14% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $30K | — | $30K | 26.08% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | VISION SERVICE PLAN | $20K | — | $20K | 17.19% |
| CONSOLIDATED SALES SOLUTIONS3 | 12007 N RESEARCH BLVD SUITE 201 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209 | — | $209 | 0.22% |
| CONSOLIDATED SALES SOLUTIONS3 | 12007 N RESEARCH BLVD SUITE 201 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $198 | — | $198 | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-1450364 NONE | Contract Administrator Service code 13 | — | $896K |
| ENCORE EIN 35-2067373 NONE | Contract Administrator Service code 13 | — | $601K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator Service code 13 | — | $411K |
| GREATWEST HEALTHCARE/CIGNA EIN 84-0467907 NONE | Contract Administrator Service code 13 | — | $137K |
| VOLTAIRE HEALTH LLC EIN 46-2048081 NONE | Contract Administrator Service code 13 | — | $40K |
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 | 5,956 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE | 5,596 | $2.3M |
| Vision | VISION SERVICE PLAN | 489 | $116K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,103 | $534K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,988 | $1.4M |
| Other(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,103 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,103 | — |
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.