| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 5.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 200 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 7.30% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 8.73% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.10% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $44 | — | $44 | 0.34% |
| ANTHEM INSURANCE COMPANIES, INC.5 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM BLUE CROSS & BLUE SHIELD | $643K | $0 | $643K | — |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11 CONGRESSIONAL BLVD STE 200 CARMEL, IN 46032 | ANTHEM BLUE CROSS & BLUE SHIELD | $6K | $0 | $6K | — |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS & BLUE SHIELD | 182 | $0 |
| Dental | ANTHEM BLUE CROSS & BLUE SHIELD | 182 | $0 |
| Vision | ANTHEM BLUE CROSS & BLUE SHIELD | 182 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 237 | $145K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $66K |
| Prescription drug | ANTHEM BLUE CROSS & BLUE SHIELD | 182 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $428K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.