| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARITY ENROLLMENT SOLUTIONS LLC3 | 18453 ST MELLION PL EDEN PRARIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $33K | — | $33K | 33.98% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | — | $18K | 18.30% |
| DISABILITY RMS5 | P.O. BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $13K | $13K | 13.50% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.50% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 EAST LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.50% |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 40 | $98K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 40 | $98K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 478 | $96K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 40 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.