| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION STRATEGIES GROUP OF TX3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 1 PIERCE PLACE SUITE 400E ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 2.50% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.53% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | MALLICK TOWER 101 SUMMIT AVE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $767 | $12K | 11.75% |
| LOGAN DICKINSON3 | COMPENSATION STRATEGIES GROUP, LTD 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $677 | $14K | 14.48% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | MALLICK TOWER 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $665 | $10K | 9.90% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVE SUITE 600 FORT WORTH, TX 76102 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | MALLICK TOWER 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 NONE | Claims processing Service code 12 | — | $274K |
| COMPENSATION STRATEGIES GROUP OF TX EIN 75-2243397 NONE | Other commissions Service code 55 | — | $91K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE | Claims processing Service code 12 | — | $7K |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 262 | $52K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $96K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $495K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.