| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS RESOURCE GROUP3 Filed as: BENEFITS RESOURCE GROUP AGENCY, LLC | 6480 ROCKSIDE WOODS BLVD S, #210 INDEPENDENCE, OH 44131 | SUN LIFE ACCURANCE COMPANY OF CANADA | $47K | — | $47K | 13.58% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | SUN LIFE ACCURANCE COMPANY OF CANADA | — | $8K | $8K | 2.33% |
| INSURANCE SPECIALIST LLC3 Filed as: INSURANCE SPECIALIST | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $2K | — | $2K | 3.44% |
| CAHILL, LINDA, A.3 | 6450 ROCKSIDE WOODS BLVD S, STE 150 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 10.80% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13 | $13 | 1.75% |
| FARRO-CREA GENERAL PARTNERSHIP3 | 6480 ROCKSIDE WOODS BLVD S, STE 210 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 9.96% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6 | $6 | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $353K |
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 | 1,065 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 359 | $57K |
| Life insurance | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,065 | $350K |
| Short-term disability | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,065 | $350K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,065 | $351K |
| Other | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,065 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,065 | — |
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.