| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 E. LAKEWOOD SPRINGFIELD, MO 65810 | SUN LIFE FINANCIAL | $40K | — | $40K | 16.43% |
| UNITED BENEFIT ADVISORS LLC3 | 280 E. 96TH STREET SUITE 250 INDIANAPOLIS, IN 46240 | SUN LIFE FINANCIAL | $7K | — | $7K | 2.74% |
| UNITD BENEFIT ADVISORS INC3 | 10 WUNSHINE LANE RED LION, PA 17356 | SUN LIFE FINANCIAL | — | $461 | $461 | 0.19% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 E. LAKEWOOD STREET SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.47% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 E. LAKEWOOD STREET SPRINGFIELD, MO 65810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 20.88% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS INC. | 10 WUNSHINE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $76 | $76 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART CARE MANAGEMENT NONE | Contract Administrator Service code 13 | 3121 QUAIL SPRINGS PARKWAY OKLAHOMA CITY, OK 73123 | $24K |
| HEALTHSMART BENEFIT SOLUTIONS, INC. EIN 75-1857307 NONE | Contract Administrator Service code 13 | 3121 QUAIL SPRINGS PARKWAY OKLAHOMA CITY, OK 73123 | $17K |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $68K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $68K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $42K |
| Stop-loss / reinsurancereinsurance | SUN LIFE FINANCIAL | 88 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.