| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING INC | PO BOX 6905 EDMOND, OK 73083 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPANION LIFE INSURANCE COMPANY EIN 57-0523959 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 100102 COLUMBIA, SC 29202 | $319K |
| CRESCENT HEALTH SOLUTIONS, INC. EIN 56-2131744 INSURANCE SERVICES | Insurance services Service code 23 | 1200 RIDGEFIELD BLVD STE 215 ASHVILLE, NC 28806 | $34K |
| BENEFIT PLANNING INC. EIN 73-1157575 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | PO BOX 6905 EDMOND, OK 79083 | $23K |
| CENTENNIAL MARKETING EIN 73-1434903 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 20626 OKLAHOMA CITY, OK 73154 | $22K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 35-0145825 INSURANCE SERVICES | Insurance services Service code 23 | — | $10K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 INSURANCE SERVICES | Insurance services Service code 23 | 7400 WEST CAMPUS ROAD, F-510 NEW ALBANY, OH 43054 | $6K |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $11K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.