| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLERVILLE, TN 38017 | IOA RE/US FIRE | — | $69K | $69K | 12.05% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.33% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 16.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PHOENIX ADMIN DBA PERFORMACE HEALTH EIN 47-4998645 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $234K |
| S AND S HEALTHCARE EIN 31-1418743 PROVIDER NETWORK | Other services Service code 49 | — | $66K |
| NAMCI EIN 63-1041628 PROVIDER NETWORK | Other services Service code 49 | — | $25K |
| AMCS EIN 81-5367552 UTILIZATION REVIEW | Other services Service code 49 | — | $14K |
| CASTIA RX EIN 81-3741657 PHARMACY NETWORK | Other services Service code 49 | — | $13K |
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 | 827 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $89K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $49K |
| Stop-loss / reinsurancereinsurance | IOA RE/US FIRE | 827 | $571K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.