| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES, INC | 100 FRONT STREET SUITE 610 WORCESTER, MA 01608 | NATIONAL UNION FIRE INS CO | $42K | $40K | $82K | 9.75% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 3.85% |
| DIRECTPATH, LLC3 | 120 18TH STREET S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $5K | $38K | 16.71% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.57% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $304 | $0 | $304 | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $304 | $0 | $304 | 0.13% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 3.04% |
| SABAL BENEFITS, LLC3 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 5.43% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.90% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS, LLC | 120 18TH STREET S BIRMINGHAM, AL 35233 | LEGAL CLUB | $3K | — | $3K | 23.98% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | LEGAL CLUB | $1K | $0 | $1K | 7.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $1.6M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $697K |
| OPTUMRX,INC. | Direct payment from the plan; Claims processing; Other fees; Float revenue 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 | 1,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,267 | $849K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,267 | $849K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,775 | $165K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,775 | $699K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $169K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INS CO | 1,479 | $837K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,775 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,775 | — |
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.