| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE SOLUTIONS GROUP, INC.5 | — | EAST COAST UNDERWRITERS | — | $35K | $35K | 18.67% |
| HIC AGENCY INC3 Filed as: HIC AGENCY, INC. | 7070 W 107TH ST SUITE 200 OVERLAND PARK, KS 66212 | EAST COAST UNDERWRITERS | $32K | — | $32K | 17.11% |
| HEALTHLINK5 | — | EAST COAST UNDERWRITERS | — | $12K | $12K | 6.16% |
| HIC AGENCY INC3 | 7070 W 107TH ST SUITE 200 OVERLAND PARK, KS 66212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 10.87% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 401 S MOUNT JULIET RD PMB 184 MOUNT JULIET, TN 37122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.52% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 W 110TH ST SUITE 210 OVERLAND PARK, KS 66210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.21% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $170K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $170K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $170K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $170K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $170K |
| Stop-loss / reinsurancereinsurance | EAST COAST UNDERWRITERS | 106 | $189K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.