| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NO INCENTIVE BROKER SUN LIFE OF CAN3 | ONE SUN LIFE EXECUTIVE PK WELLESLEY HILLS, MA 02181 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 42ND FL NEW YORK, NY 10036 | HEALTHSPAN INTEGRATED CARE | $2K | — | $2K | 1.01% |
| NO INCENTIVE BROKER SUN LIFE OF CAN | ONE SUN LIFE EXECUTIVE PK WELLESLEY HILLS, MA 02181 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| DOLLAR BANK INSURANCE AGENCY INC.3 | 3 GATEWAY CENTER PITTSBURGH, PA 15222 | THE HARTFORD | $136 | — | $136 | 15.06% |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHSPAN INTEGRATED CARE | 35 | $228K |
| Vision | HM LIFE INSURANCE CO | 1,443 | $120K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,265 | $256K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,265 | $167K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHSPAN INTEGRATED CARE | 35 | $228K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,694 | $937K |
| Other | THE HARTFORD | 1,112 | $903 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,694 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.