| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURORS AGENCY SA | 70 NORTH EAST LOOP 410 SUITE 520 SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURORS AGENCY SA | 70 NORTH EAST LOOP 410 SUITE 520 SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURORS AGENCY SA | 70 NE LOOP 410 760 SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURORS AGENCY SA | 70 NORTH EAST LOOP 410 SUITE 520 SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.01% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.19% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$6 | — | -$6 | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: TEXAS ASSOCIATES INSURORS AGENCY SA | 70 SOUTH EAST LOOP 410 SUITE 520 SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $624 | — | $624 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 SERVICE PROVIDER | Claims processing; Other services; Plan Administrator Service code 12 | 6133 NORTH RIVER RD SUITE 900 ROSEMONT, IL 60018 | $15K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 SERVICE PROVIDER | Plan Administrator Service code 14 | — | $12K |
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 | 509 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $100K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $93K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 314 | $238K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $313K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO | 369 | $786K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.