| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | SUN LIFE ASSURANCE COMPANY OF CANADA | $127K | $5K | $133K | 16.66% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 1 PIERCE PLACE SUITE ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 2.50% |
| UMR, INC. Filed as: UMR INC | 11 SCOTT STREET ST 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.68% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | HEALTH RESOURCES INC | $8K | — | $8K | 8.80% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 INC | 903 N 7TH STREET VINCENNES, IN 47591 | ONE AMERICA | $6K | $2K | $8K | 12.88% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC | 903 N 7TH STREET VINCENNES, IN 47591 | ONE AMERICA | $4K | $2K | $6K | 10.45% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 INC - | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC | $3K | — | $3K | 8.85% |
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. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 371 | $87K |
| Vision | ANTHEM INSURANCE COMPANIES, INC | 309 | $30K |
| Life insurance | ONE AMERICA | 267 | $59K |
| Short-term disability | ONE AMERICA | 267 | $59K |
| Long-term disability | ONE AMERICA | 266 | $74K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.