| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS INC | 5050 SPRING VALLEY DALLAS, TX 75244 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 4.23% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.17% |
| THE BENEFITS SOLUTION GROUP3 | 9026 JEFFERSON HWY, STE 202 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $254 | — | $254 | 0.83% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY DALLAS, TX 75244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 6.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 9026 JEFFERSON HWY, STE 202 BATON ROUGE, LA 70809 | SUN LIFE ASSURANCE COMPANY OF CANADA | $357 | — | $357 | 2.07% |
| MGIS3 | 111 SOUTH MAIN ST., SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 1.05% |
| THE BENEFITS SOLUTION GROUP3 | 8702 JEFFERSON HWY. SUITE A BATON ROUGE, LA 70809 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5 | — | $5 | 0.03% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 109 | $77K |
| Vision | NATIONAL GUARDIAN LIFE | 109 | $77K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $30K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.