| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME ROAD, SUITES 5 6 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 11.42% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME ROAD, SUITES 5 6 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $996 | — | $996 | 0.32% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME ROAD, SUITES 5 6 AMHERST, NY 14228 | HM INSURANCE GROUP | $30K | — | $30K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Plan Administrator Service code 14 | 1405 XENIUM LANE, SUITE 140 MINNEAPOLIS, MN 55427 | $305K |
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 | 982 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM INSURANCE GROUP | 416 | $301K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 982 | $0 |
| Vision | VISION SERVICE PLAN | 464 | $69K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $311K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $311K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $311K |
| Prescription drug | PHARMACY BENEFIT DIMENSIONS, INC. | 416 | $0 |
| Other | HM INSURANCE GROUP | 416 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.