| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DJF HOLDINGS LLC3 | 649 N 156TH AVE OMAHA, NE 68118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 8.98% |
| GILLESPIE AGENCY LLC Filed as: GILLESPIE, STANLEY DOUGLAS | 1228 N 164TH ST OMAHA, NE 68118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.13% |
| DANIEL FERRIS3 | 649 N 156TH AVE OMAHA, NE 68118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 3.97% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.79% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSOTIUM | 11755 E PEAKVIEW AVE STE 250 ENGLEWOOD, CO 80111 | HARTFORD LIFE AND ACCIDENT | $755 | — | $755 | 11.93% |
No Schedule C service providers reported on this filing.
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 | 475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $236K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $236K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $236K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $236K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.