| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 8080 NORTH CENTRAL EXPRESSWAY SUITE 1500 DALLAS, TX 75206 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | SUITE 1100 10000 N CENTRAL EXPRESSWAY DALLAS, TX 75231 | SUN LIFE COMPANY OF CANADA | $8K | — | $8K | 10.91% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 NONE | Claims processing Service code 12 | — | $111K |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 342 | $20K |
| Life insurance | SUN LIFE COMPANY OF CANADA | 210 | $72K |
| Short-term disability | SUN LIFE COMPANY OF CANADA | 210 | $72K |
| Long-term disability | SUN LIFE COMPANY OF CANADA | 210 | $72K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 184 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.