| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP Filed as: FOUNDATION RISK PARTNERS, CORP LLC | 3333 NEW HYDE PARK ROAD, STE 400 NEW HYDE PARK, NY 11042 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 3.10% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16, SUITE320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 2.55% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP LLC | 4634 GULFSTARR DR DESTIN, FL 32541 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $853 | $853 | 0.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 4.15% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 3333 NEW HYDE PARK ROAD, STE 400 NEW HYDE PARK, NY 11042 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 3.68% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP LLC | 4634 GULFSTARR DR DESTIN, FL 32541 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $4K | $4K | 3.09% |
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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 371 | $240K |
| 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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.