| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $14K | $14K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW, SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $72K | $1K | $74K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW, SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 11.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW, SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12 | — | $12 | 15.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.3M |
| PALMER & CAY, LLC EIN 27-2182440 BROKER | Other commissions Service code 55 | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | $55K |
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 | 1,643 | 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) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,911 | $1.7M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,911 | $1.7M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,911 | $1.9M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 359 | $222K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,911 | $1.7M |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,406 | $5.0M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2 | $833 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,911 | — |
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."
No prospect flags tripped on this filing.