| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM BLAKELY3 | 620 LINDSAY ST, STE 201 CHATTANOOGA, TN 37403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $100K | — | $100K | 14.24% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.65% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.26% |
No Schedule C service providers reported on this filing.
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 | 2,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,620 | $701K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,620 | $701K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,620 | $701K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,620 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,620 | — |
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.