| 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 | $24K | $13K | $38K | 7.64% |
| UMR, INC.3 | 1I SCOTT ST SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $748 | $8K | 8.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $470 | $16K | 25.75% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $136K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $136K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $91K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $91K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $491K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.