| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3424 PEACHTREE ROAD NE, SUITE 1400 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $226 | $226 | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.4 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $953 | — | $953 | 21.00% |
| GLENN PETERSEN4 | 4255 GULF SHORE BOULEVARD NORTH APARTMENT 1201 NAPLES, FL 34103 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $38 | — | $38 | 0.84% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $1.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 335 | $142K |
| Vision | VISION SERVICE PLAN | 150 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $80K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $80K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $1.6M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 485 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.