| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHOENIX ADMIN DBA PERFORMANCE HEALT5 | 33479 LAKE ROAD AVON LAKE, OH 44012 | GERBER LIFE INSURANCE COMPANY | — | $221K | $221K | 38.76% |
| LOUIS POPE3 | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | GERBER LIFE INSURANCE COMPANY | $65K | $65K | $130K | 22.80% |
| S&S HEALTHCARE0 Filed as: S&S HEALTHCARE PROVIDER NETWORK | 1385 MEADOW DRIVE CINCINNATI, OH 45240 | GERBER LIFE INSURANCE COMPANY | — | $60K | $60K | 10.48% |
| NORTH AL MANAGED CARE INC0 | 699 A GALLITIN STREET HUNTSVILLE, AL 35801 | GERBER LIFE INSURANCE COMPANY | — | $24K | $24K | 4.27% |
| CASTIARX0 | 2275 HALF DAY ROAD SUITE 210 BANNOCKBURN, IL 60015 | GERBER LIFE INSURANCE COMPANY | — | $16K | $16K | 2.82% |
| AMCS/SUE A HEIMBURGER0 | PO BOX 270 MARLON, NJ 08053 | GERBER LIFE INSURANCE COMPANY | — | $13K | $13K | 2.27% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.59% |
| LOUIS POPE3 | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 11.66% |
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 | 869 | 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) | 869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 758 | $99K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $32K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 869 | $569K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 758 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 869 | — |
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.