| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | 2839 PACES GERRY RD SE STE 830 ATLANTA, GA 30339 | GRANULAR | $29K | — | $29K | 7.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS, LLC | 1300 EAST 9TH STREET, SUITE 1650 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 4.95% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 3.80% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS, INC. | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 2.10% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $259K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $259K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $259K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $259K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $259K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ACE BENEFIT - RYAN SPECIALTY - OPTUM HEALTH - UNIMERICA | 176 | $853K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.