| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | OPTUM RX INC. | $4K | — | $4K | 0.23% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | RELIANCESTAR LIFE INSURANCE COMPANY | $66K | — | $66K | 9.96% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS | 20 N WACKER DR SUITE 500 CHICAGO, IL 60606 | RELIANCESTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 9.08% |
| SCOTT STEVEN HASKINS - RAM BENEFITS3 Filed as: SCOTT HASKINS -SUPERIOR BENEFIT ADV | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | AETNA | $124K | — | $124K | 34.52% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 14.93% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 3.17% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.71% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 17.42% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR BENEFIT ADVISORS | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | THE HARTFORD | $397 | — | $397 | 15.02% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 484 | $360K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $25K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $396K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $396K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $396K |
| Stop-loss / reinsurancereinsurance | RELIANCESTAR LIFE INSURANCE COMPANY | 484 | $665K |
| Other(5 contracts, 3 carriers) | OPTUM RX INC. | 484 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.