| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD - BLDG F STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.49% |
| FITTS AGENCY INC3 Filed as: FITTS AGENCY, INC. | 1806 6TH STREET TUSCALOOSA, AL 35401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.42% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC. | 38233 MOUND RD - BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN (VSP) | $871 | — | $871 | 5.08% |
| FITTS AGENCY INC3 Filed as: FITTS AGENCY, INC. | 1806 6TH STREET TUSCALOOSA, AL 35104 | VISION SERVICE PLAN (VSP) | $844 | — | $844 | 4.92% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 158 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 158 | $1.6M |
| Vision | VISION SERVICE PLAN (VSP) | 130 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $73K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 158 | $1.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.