| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER | 606 S MENDENHALL RD SUITE 200 MEMPHIS, TN 38117 | SUNLIFE ASSURANCE COMPANY | $0 | $60K | $60K | 27.12% |
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 Filed as: CYPRESS BENEFIT ADMINISTATORS | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | SUNLIFE ASSURANCE COMPANY | $0 | $54K | $54K | 24.49% |
| HST TECHNOLOGY SOLUTIONS0 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | SUNLIFE ASSURANCE COMPANY | $0 | $34K | $34K | 15.46% |
| ALABAMA PREMIER NETWORK0 | 699 A GALLATIN STREET HUNTSVILLE, AL 35801 | SUNLIFE ASSURANCE COMPANY | $0 | $10K | $10K | 4.38% |
| MEDWATCH LLC0 Filed as: MEDWATCH | PO BOX 21796 TAMPA, FL 33630 | SUNLIFE ASSURANCE COMPANY | $0 | $8K | $8K | 3.85% |
| AMERICAN HEALTH HOLDING0 | CONSULT A DOC PITTSBURGH, PA 15250 | SUNLIFE ASSURANCE COMPANY | $0 | $6K | $6K | 2.96% |
| HEALTH EOS0 | PO BOX 29380 NEW YORK, NY 10087 | SUNLIFE ASSURANCE COMPANY | $0 | $2K | $2K | 1.03% |
| HEALTHSMART BENEFIT SOLUTIONS0 Filed as: HEALTHSMART | PO BOX 207102 DALLAS, TX 75320 | SUNLIFE ASSURANCE COMPANY | $0 | $713 | $713 | 0.32% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY | 341 | $220K |
| Prescription drug | SUNLIFE ASSURANCE COMPANY | 341 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.