| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $13K | $34K | 8.06% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER RD, ML400 PFEIFFER WOODDS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.64% |
| BILL HARTSFIELD & ASSOCIATES3 | 4902 LAKERIDGE DR. LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $482 | $8K | 6.31% |
| BILL HARTSFIELD & ASSOCIATES | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $933 | $8K | 8.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY CANADA EIN 38-1082080 | Insurance services Service code 23 | — | $420K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 | Insurance services Service code 23 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $124K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Insurance services Service code 23 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $94K |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 261 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $94K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $94K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $124K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $420K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.