| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS5 | PO BOX 16207 LUBBOCK, TX 79490 | ANICO | — | $237K | $237K | 53.75% |
| LOUIS POPE3 | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | ANICO | — | $52K | $52K | 11.78% |
| CIGNA0 | PO BOX 645014 CINCINNATI, OH 45264 | ANICO | — | $50K | $50K | 11.37% |
| PHARMACEUTICAL TECHNOLOGIES INC.0 | PO BOX 407 BOYS TOWN, NE 68010 | ANICO | — | $25K | $25K | 5.79% |
| NORTH AL MANAGED CARE INC0 | 699 A GALLITIN STREET HUNTSVILLE, AL 35801 | ANICO | — | $18K | $18K | 4.16% |
| CHART TECH0 | 3401 CUSTER RD SUITE 183 PLANO, TX 75023 | ANICO | — | $10K | $10K | 2.38% |
| AMCS/SUE A HEIMBURGER0 | PO BOX 270 MARLON, NJ 08053 | ANICO | — | $9K | $9K | 1.95% |
| HEALTHSMART BENEFIT SOLUTIONS0 Filed as: HEALTHSMART CARE MANGEMENT | 222 W LAS COLINAS BLVD STE 600 N IRVING, TX 75039 | ANICO | — | $8K | $8K | 1.73% |
| PHCS0 Filed as: MULTIPLAN PHCS | PO BOX 39280 NEW YORK, NY 10087 | ANICO | — | $230 | $230 | 0.05% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.14% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 16.84% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | UNION SECURITY INSURANCE COMPANY | $937 | — | $937 | 11.11% |
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 | 857 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 992 | $76K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 34 | $20K |
| Stop-loss / reinsurancereinsurance | ANICO | 680 | $440K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 992 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.