| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSURE INSURANCE SERVICES3 | 5900 SOUTHWEST PKWY #200 AUSTIN, TX 78735 | BERKLEY LIFE AND HEALTH INSURANCE | $78K | — | $78K | 17.65% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $90 | $25K | 15.20% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | — | $155 | 0.10% |
| HEALTHSURE INSURANCE SERVICES3 | 5900 SOUTHWEST PARKWAY, STE 200 AUSTIN, TX 78735 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $70K |
| PHCS EIN 04-3138814 CLAIMS PROCESS. | Claims processing Service code 12 | — | $7K |
| HEALTHSURE INSURANCE SERVICES EIN 36-4238953 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $162K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $162K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $162K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $162K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE | 144 | $440K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.