| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 3.95% |
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS INC | 5200 77 CENTER DR, SUITE 400 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $29K | $29K | 3.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELAP SERVICES, LLC EIN 27-1535451 NONE | Claims processing; Other services Service code 12 | 1550 LIBERTY RIDGE DRIVE WAYNE, PA 19087 | $882K |
| BANKERS BENEFIT EIN 43-1383648 PARTY-IN-INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 1343 JEFFERSON CITY, MO 65102 | $861K |
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $466K |
| ANTHEM EIN 95-4331852 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $423K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 NONE | Actuarial; Direct payment from the plan Service code 11 | 1391 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | $100K |
| DELTA DENTAL OF MO EIN 43-0908349 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | 12399 GRAVOIS ROAD ST LOUIS, MO 63127 | $83K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3220 W EDGEWOOD, STE E JEFFERSON CITY, KS 65109 | $27K |
| TELADOC EIN 04-3705970 NONE | Direct payment from the plan; Claims processing; Other services; Plan Administrator Service code 12 | — | $23K |
| OPTUMRX, INC EIN 33-0441200 NONE | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $15K |
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 | 1,306 | 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) | 1,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,678 | $148K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,985 | $179K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 750 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,425 | $386K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,859 | $904K |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 3,700 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,700 | — |
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.