| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SULLIVAN INSURANCE AGENCY3 Filed as: SULLIVAN INSURANCE SERVICES | PO BOX 8750 GREENVILLE, TX 75404 | UNUM | $4K | $0 | $4K | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTSMART BENEFIT SOLUTIONS EIN 75-1857307 | Contract Administrator Service code 13 | — | $491K |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 | Contract Administrator Service code 13 | — | $415K |
| SULLIVAN INSURANCE AGENCY | Insurance agents and brokers Service code 22 | 312 W BROADWAY ARDMORE, OK 73401 | $93K |
| TRIBAL FIRST / ALLIANT SPECIALTY EIN 95-2678392 | Insurance agents and brokers Service code 22 | — | $93K |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM | 1,394 | $155K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 1,347 | $473K |
| Other | UNUM | 1,394 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,394 | — |
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.