| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $488 | $488 | 0.38% |
| CORESOURCE, INC.5 Filed as: TRUSTMARK HEALTH BENEFITS | 18401 MAPLE CREEK DRIVE SUITE 300 TINLEY PARK, IL 60477 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $109K | $109K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SOAD STE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $39K | $39K | — |
| COFINITY5 | 4371 PAYSHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $25K | $25K | — |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 284 | $0 |
| Vision | EYEMED | 410 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 340 | $129K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 340 | $129K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 340 | $129K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 284 | $0 |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 363 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.