| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 URBAN CENTER DRIVE, SUITE 625 BIRMINGHAM, AL 35242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $35K | $64K | 9.96% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES INC | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $0 | $27K | 4.19% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $643K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $643K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $643K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $643K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $643K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.