| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 12.92% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.57% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT INC | 120 6TH ST. S. SAINT PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $61K |
| ME WILSON CO INC EIN 59-2585447 BROKER | Other commissions Service code 55 | 300 W PLATT ST #200 TAMPA, FL 33606 | $2K |
| SUN RISK MANAGEMENT EIN 59-2248381 BROKER | Other commissions Service code 55 | 120 6TH ST. SOUTH ST. PETERSBURG, FL 33701 | $1K |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.