| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | $0 | $70K | 8.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $0 | $34K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $0 | $41K | 6.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 3.23% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS, INC | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 9.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 1.67% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | 19401 40TH AVE W SUITE 440 LYNNWOOD, WA 98036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $513 | $0 | $513 | 0.37% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU BOUDREAUX | 120 GILLS CREEK PKWY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $381 | $0 | $381 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | VISION SERVICE PLAN | $6K | $0 | $6K | 12.39% |
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 | 1,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 907 | $620K |
| Vision | VISION SERVICE PLAN | 834 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,386 | $801K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,386 | $801K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,386 | $801K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,386 | $940K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,386 | — |
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."
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.