| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $569 | $3K | 7.36% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY, SUITE 400 HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 3.93% |
| THOMAS EDWARD SCHWAB3 | 3700 WEST SAM HOUSTON PARKWAY SOUTH SUITE 400 HOUSTON, TX 77042 | SUN LIFE ASSURANCE COMPANY OF CANADA | $88 | $0 | $88 | 0.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 8.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 3400 OVERTON PARK DRIVE, SUITE 300 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $879 | $0 | $879 | 5.43% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 217 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $40K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $40K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
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.