| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC5 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DRIVE #100 OMAHA, NE 68154 | SUNLIFE ASSURANCE CO OF CANADA | — | $30K | $30K | 10.02% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INS AGENCY INC | 11422 MIRACLE HILLS DRIVE #100 OMAHA, NE 68154 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 10.90% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-124 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $179 | $179 | 0.57% |
| HEALTHCARE SOLUTIONS GROUP, INC.5 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | HEALTHCARE SOLUTIONS GROUP | — | $16K | $16K | — |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE GROUP BENEFITS | 11422 MIRACLE HILLS DRIVE #100 OMAHA, NE 68154 | HEALTHCARE SOLUTIONS GROUP | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $85K |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Dental(2 contracts, 2 carriers) | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Vision | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE CO OF CANADA | 197 | $332K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Long-term disability | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Prescription drug | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE CO OF CANADA | 197 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.