| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | $14K | $64K | 13.97% |
| THE CASON GROUP INC3 | 1612 MARION ST FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 6.22% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 3.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS LLC CLAIMS PROCESSING | Claims processing Service code 12 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | $115K |
| CONNECTICUT GENERAL LIFE INS. OTHER FEES | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | $88K |
| HEALTHJOY LLC OTHER FEES | Other fees Service code 99 | PO BOX 776932 CHICAGO, IL 60677 | $26K |
| KISX CARD LLC OTHER FEES | Other fees Service code 99 | 1 KACEY COURT, STE. 100 MECHANICSBURG, PA 17055 | $23K |
| NARUS HEALTH INC. CONCIERGE OTHER FEES | Other fees Service code 99 | 424 CHURCH ST., STE. 2300 NASHVILLE, TN 37219 | $20K |
| INTERFLEX PAYMENTS EIN 27-2256926 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $17K |
| INTERLINK CARE MANAGEMENT INC. OTHER FEES | Other fees Service code 99 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | $8K |
| JAS D COLLIER & CO CLAIMS PROCESSING | Claims processing Service code 12 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | $7K |
| THE CASON GROUP INC CLAIMS PROCESSING | Claims processing Service code 12 | 1612 MARION ST COLUMNBIA, SC 29201 | $973 |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $456K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $456K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $456K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $456K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO | 838 | $605K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.