| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 W ADAMS ST. CHICAGO, IL 60606 | AMERICAN FIDELITY ASSURANCE COMPANY | $82K | — | $82K | 12.81% |
| TELADOC0 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 0.83% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.50% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 4.98% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY, #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $743 | $743 | 0.33% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 8.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD. HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 7.00% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.20% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 1425 UNION MEETING RD BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $59K | — | $59K | 222.36% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $763 | — | $763 | 7.00% |
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 | 489 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 360 | $226K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 360 | $226K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 489 | $91K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $126K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 473 | $258K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 292 | $663K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 229 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.