| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | SUN LIFE INSURANCE COMPANY OF CANADA | $66K | — | $66K | 10.16% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC. | 3310 N UNIVERSITY DRIVE NACOGDOCHES, TX 75965 | SUN LIFE INSURANCE COMPANY OF CANADA | $28K | $24K | $53K | 8.06% |
| BANCORP SOUTH INSURANCE3 | P.O. BOX 251510 LITTLE ROCK, AR 72225 | EYEMED VISION-FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 9.20% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORPORATION-EXCHANGE | 175 SOUTH THIRD STREET STE 800 COLUMBUS, OH 43215 | EYEMED VISION-FIDELITY SECURITY LIFE INSURANCE COMPANY | -$77 | — | -$77 | -0.09% |
| IMA, INC.3 Filed as: IMA | PO BOX 2992 OVERLAND PARK, KS 67201 | EYEMED VISION-FIDELITY SECURITY LIFE INSURANCE COMPANY | -$615 | — | -$615 | -0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $256K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 NONE | Other fees; Direct payment from the plan Service code 50 | — | $29K |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 381 | $0 |
| Vision | EYEMED VISION-FIDELITY SECURITY LIFE INSURANCE COMPANY | 950 | $89K |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 1,047 | $652K |
| Short-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 1,047 | $652K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 1,047 | $652K |
| Stop-loss / reinsurancereinsurance | QBE INS CORP-STEALTH PARTNER GROUP | 652 | $452K |
| Other | SUN LIFE INSURANCE COMPANY OF CANADA | 1,047 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,047 | — |
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.