| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $14K | $54K | 16.91% |
| NATIONWIDE INSURANCE | ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 | NATIONWIDE INSURANCE | $26K | $0 | $26K | 69.37% |
| TOTAL EMPLOYEE BENEFITS, LLC Filed as: TOTAL EMPLOYEE BENEFITS | 210 INTERSTATE N PWK STE400 ATLANTA, GA 30339 | NATIONWIDE INSURANCE | $4K | $0 | $4K | 9.77% |
| WORKSITE BENEFIT SOLUTIONS INC Filed as: WORKSITE BENEFIT SOLUTIONS, INC | 6255 TOWNCENTER DRIVE STE 1561 CLEMMONS, NC 27012 | NATIONWIDE INSURANCE | $3K | $0 | $3K | 7.32% |
| PERSONIFY HEALTH, LLC | 75 FOUNTAIN STREET STE 310 PROVIDENCE, RI 02902 | NATIONWIDE INSURANCE | $0 | $3K | $3K | 7.32% |
| ACCURISK SOLUTIONS, LLC | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE | $0 | $2K | $2K | 5.24% |
| INTEGRATED WORKSITE SOLUTIONS LLC Filed as: INTEGRATED WORKSITE SOLUTIONS, LLC | 2890 WIGEON WAY APT 206 COVENTRY TOWNSHIP, OH 44319 | NATIONWIDE INSURANCE | $368 | $0 | $368 | 0.98% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $317K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $317K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $317K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $317K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $317K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 280 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
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.