| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS, INC | 120 18TH STREET S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $12K | $74K | 44.48% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.16% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $295 | $3K | 1.53% |
| MORETON & COMPANY3 Filed as: MORTON D WEINER/AMPAC INC | 362 MINORCA AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACYBENEFITMANAGEMENT | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $1.1M |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $517K |
| BENEFIT INNOVATIONS, LLC EIN 47-1867055 CONSULTANT | Consulting (general) Service code 16 | 1000 EAST BROWARD BLVD FORT LAUDERDALE, FL 33301 | $220K |
| OPTUMRX | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $0 |
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 | 1,293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 925 | $658K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 925 | $658K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,081 | $435K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $176K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 964 | $762K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,081 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.