| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE INSURANCE RESOURCES INC3 | PO BOX 660787 BIRMINGHAM, AL 35266 | SUNLIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 6.75% |
| ALTERNATIVE INSURANCE RESOURCES INC3 | PO BOX 660787 BIRMINGHAM, AL 35266 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 9.91% |
| ALTERNATIVE INSURANCE RESOURCES INC3 | PO BOX 660787 BIRMINGHAM, AL 35266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $174K | — | $174K | 150.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTERNATIVE INSURANCE RESOURCES INC EIN 72-1382665 NONE | Plan Administrator; Claims processing Service code 12 | PO BOX 660787 BIRMINGHAM, AL 35266 | $257K |
| MULTIPLAN INC. EIN 13-3068979 NONE | Contract Administrator Service code 13 | PO BOX 29830 NEW YORK, NY 10087 | $66K |
| VOLTAIRE HEALTH LLC EIN 46-2047081 NONE | Contract Administrator Service code 13 | 5800 GRANITE PARKWAY PLANO, TX 75024 | $20K |
| ZELIS PPO EIN 31-1407609 NONE | Claims processing Service code 12 | 6875 SHILOH ROAD EAST ALPHARETTA, GA 30005 | $5K |
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 | 864 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,343 | $750K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,343 | $750K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,343 | $905K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,275 | $116K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,343 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,343 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.