| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES5 Filed as: EMPLOYEE BENEFIT SERVICES, INC | 534 RIVER CROSSING FORT MILL, SC 29715 | SUN LIFE OF CANADA | $38K | — | $38K | 5.00% |
| EMPLOYEE BENEFIT SERVICES5 Filed as: EMPLOYEE BENEFIT SERVICES, INC | 534 RIVER CROSSING FORT MILL, SC 29715 | SUN LIFE OF CANADA | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES, INC EIN 56-1939146 NONE | Contract Administrator Service code 13 | 534 RIVER CROSSING FORT MILL, SC 29715 | $240K |
| MEDCOST EIN 56-1999192 NONE | Contract Administrator Service code 13 | P.O. BOX 896527 CHARLOTTE, NC 28289 | $44K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $42K |
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 | 745 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE OF CANADA | 743 | $765K |
| Life insurance | SUN LIFE OF CANADA | 743 | $23K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 745 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.