| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIHLE INSURANCE GROUP INC3 Filed as: SIHLE INSURANCE GROUP, INC. | 1021 DOUGLAS AVENUE ALTAMONTE SPRINGS, FL 32714 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 10.00% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS, LLC | 280 E. 96TH STREET SUITE 250 INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.40% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES, LLC | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.31% |
| SIHLE INSURANCE GROUP INC Filed as: SIHLE INSURANCE GROUP | 1021 DOUGLAS AVENUE ALTAMONTE SPRINGS, FL 32714 | AETNA LIFE INSURANCE CO. | $348 | — | $348 | 14.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $109K |
| SCRIP WORLD EIN 87-0632355 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $73K |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $305K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $305K |
| Life insurance | AETNA LIFE INSURANCE CO. | 117 | $2K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $305K |
| Other | AETNA LIFE INSURANCE CO. | 117 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
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.