| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY., #2000 CARROLLTON, TX 75007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 7.62% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS. INC. | 71 HANOVER ROAD FLORHAM PARK, NJ 07932 | SUN LIFE ASSURANCE COMPANY OF CANADA | $104 | $0 | $104 | 0.07% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $159K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $159K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $159K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $159K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $159K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.