| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 903 N 7TH STREET VINCENNES, IN 47591 | SUN LIFE ASSURANCE COMPANY OF CANADA | $134K | — | $134K | 20.05% |
| UNITED BENEFITS ADVISORS INC Filed as: UNITED BENEFITS ADVISORS LLC | 280 E 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 2.11% |
| UMR, INC. Filed as: UMR | 5151 PFEIFFER ROAD ML 400 PFPIFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.64% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES LLC | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.40% |
| UNITED BENEFIT ADVISORS LLC Filed as: UNITED BENEFIT ADVISORS INC | 10 WUNSHINE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.17% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 INC | 903 N 7TH STREET VINCENNES, IN 47591 | ONE AMERICA | $10K | $4K | $13K | 10.09% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC | 903 N 7TH STREET VINCENNES, IN 47591 | HEALTH RESOURCES INC | $9K | — | $9K | 10.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 903 N 7TH STREET VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC | — | $3K | $3K | 9.64% |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 402 | $94K |
| Vision | ANTHEM INSURANCE COMPANIES, INC | 361 | $33K |
| Life insurance | ONE AMERICA | 275 | $133K |
| Short-term disability | ONE AMERICA | 275 | $133K |
| Long-term disability | ONE AMERICA | 275 | $133K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.