| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 DEPT 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE OF CANADA | $22K | $0 | $22K | 5.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 10.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $2K | $5K | 8.10% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.07% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $6K | 8.51% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.16% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE100 CARMEL, IN 46032 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.26% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 14.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $46 | $46 | 0.36% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM BLUE CROSS & BLUE SHIELD | $250K | $0 | $250K | — |
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 | 184 | $0 |
| Dental | ANTHEM BLUE CROSS & BLUE SHIELD | 184 | $0 |
| Vision | ANTHEM BLUE CROSS & BLUE SHIELD | 184 | $0 |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 236 | $112K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $132K |
| Prescription drug | ANTHEM BLUE CROSS & BLUE SHIELD | 184 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE OF CANADA | 189 | $449K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
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.