| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT PLANNING COMPANY | 1250 WOOD BRANCH PARK DRIVE SUITE 300 HOUSTON, TX 77079 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2.4M | $2.4M | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3.5M | $0 | $3.5M | 21.76% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DAVID L MCWHORTER3 Filed as: DAVID L. MCWHORTER | PO BOX 2869 LONGVIEW, TX 75606 | UNITEDHEALTHCARE INSURANCE COMPANY | -$110K | $105K | -$5K | -0.07% |
| STEVEN KENT SELF3 | PO BOX 1169 LONGVIEW, TX 75606 | UNITEDHEALTHCARE INSURANCE COMPANY | -$123K | $0 | -$123K | -1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $131K | $64 | $131K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95K | $95K | 1.78% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
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 | 78,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 78,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,044 | $7.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,658 | $5.3M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 74,859 | $58.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 74,859 | $57.7M |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 74,859 | $58.0M |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 81,524 | $75.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81,524 | — |
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.