| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE INSURANCE RESOURCES INC3 | PO BOX 660787 BIRMINGHAM, AL 35266 | SUNLIFE ASSURANCE COMPANY OF CANADA | $54K | — | $54K | 6.64% |
| ALTERNATIVE INSURANCE RESOURCES INC3 | PO BOX 660787 BIRMINGHAM, AL 35266 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 10.14% |
| ALTERNATIVE INSURANCE RESOURCES INC3 | PO BOX 660787 BIRMINGHAM, AL 35266 | SUNLIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTERNATIVE INSURANCE RESOURCES INC EIN 72-1382665 NONE | Claims processing; Plan Administrator Service code 12 | 1770 INDEPENDENCE COURT VESTAVIA, AL 35216 | $257K |
| MULTIPLAN INC. EIN 13-3068979 NONE | Contract Administrator Service code 13 | PO BOX 29830 NEW YORK, NY 10087 | $64K |
| MEDWATCH LLC EIN 16-1662117 NONE | Contract Administrator Service code 13 | 400 COLONIAL CENTER PARKWAY SUITE 320 LAKE MARY, FL 32746 | $14K |
| VOLTAIRE HEALTH LLC EIN 46-2047081 NONE | Contract Administrator Service code 13 | 5800 GRANITE PARKWAY PLANO, TX 75024 | $7K |
| ZELIS PPO EIN 31-1407609 NONE | Claims processing Service code 12 | 6875 SHILOH ROAD EAST ALPHARETTA, GA 30005 | $6K |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,271 | $814K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,271 | $814K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,271 | $985K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,208 | $115K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,271 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.