| 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 | $101K | — | $101K | 13.71% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 20 N WACKER DRIVE STE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 1.53% |
| UMR, INC. Filed as: UMR INC | 5151PFEIFFER ROAD ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.60% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 | 903 N 7TH STREET VINCENNES, IN 47591 | AMERICAN UNITED LIFE | $6K | — | $6K | 6.84% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC | 903 N 7TH STREET VINCENNES, IN 47591 | PARAMOUNT DENTAL | $6K | — | $6K | 6.43% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 | 780 OLD WHEATON ROAD VINCENNES, IN 47591 | AMERICAN UNITED LIFE | $8K | — | $8K | 13.03% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 INC - | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC | $3K | — | $3K | 9.08% |
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 | PARAMOUNT DENTAL | 395 | $94K |
| Vision | ANTHEM INSURANCE COMPANIES, INC | 177 | $37K |
| Life insurance | AMERICAN UNITED LIFE | 289 | $60K |
| Long-term disability | AMERICAN UNITED LIFE | 289 | $95K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.