| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVENUE, SUITE 700 OKLAHOMA CITY, OK 73102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 3.07% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | 100 PARK AVENUE, SUITE 700 OKLAHOMA CITY, OK 73102 | DELTA DENTAL | $18K | — | $18K | 1.00% |
| MEDICAL GROUP INSURANCE SERVICES5 Filed as: MEDICAL GROUP INSURANCE SRVCS INC. | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $345 | $345 | 0.13% |
| SUPERIOR VISION3 Filed as: SUPERIOR VISION SERVICES | 1101 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $613 | — | $613 | 0.29% |
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 | 2,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,834 | $1.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,671 | $208K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,182 | $1.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,182 | $1.8M |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,182 | $2.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,546 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,671 | — |
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.