| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS RESOURCE GROUP3 Filed as: BENEFITS RESOURCE GROUP AGENCY LLC | 6450 ROCKSIDE WOODS BLVD S, STE 150 INDEPENDENCE, OH 44131 | SUN LIFE ACCURANCE COMPANY OF CANADA | $58K | — | $58K | 13.69% |
| INSURANCE SPECIALIST LLC3 Filed as: INSURANCE SPECIALIST | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $2K | — | $2K | 3.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $330K |
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 | 1,091 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 373 | $60K |
| Life insurance | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,091 | $424K |
| Short-term disability | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,091 | $424K |
| Long-term disability | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,091 | $424K |
| Other | SUN LIFE ACCURANCE COMPANY OF CANADA | 1,091 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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.