| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $573 | — | $573 | 0.59% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 9.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $506 | — | $506 | 0.53% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DRIVE #200 ROCKFORD, IL 61108 | UNITED HEALTHCARE INSURANCE COMPANY | $577 | — | $577 | 15.00% |
| TRANSAMERICA3 | 1400 CENTERVIEW LITTLE ROCK, AR 72211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $192 | $192 | 4.99% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE ROCKFORD, IL 61108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 19.81% |
| WILLIAM J MORRIS3 | COLONIAL LIFE ISNURANCE CO ROCKFORD, IL 61108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.55% |
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 | 148 | 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. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE COLUMBIA, SC | 116 | $247K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 62 | $95K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 49 | $4K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $97K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $727 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $97K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.