| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOC LLC | 1416 SWEET HOME RD SUITE 5-6 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $0 | $37K | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 2.80% |
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 | 591 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 456 | $388K |
| Dental | DELTA DENTAL | 958 | $0 |
| Vision | VISION SERVICE PLANS | 1,048 | $71K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 591 | $369K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 591 | $369K |
| Prescription drug | PHARMACY BENEFIT DIMENSIONS | 0 | $0 |
| Stop-loss / reinsurancereinsurance | MERITAIN HEALTH | 456 | $368K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 591 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.