| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 90 PARK AVE 17TH FLOOR NEW YORK, NY 10016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $183K | — | $183K | 8.42% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $163K | — | $163K | 7.50% |
| BENEFEX BENEFIT CONSULTING3 Filed as: BENEFEX BENEFIT CONSULTING INC | 23 VREELAND RD FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $63K | — | $63K | 11.01% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WYOMING EIN 83-0231011 NONE KNOWN | Direct payment from the plan; Insurance services; Contract Administrator Service code 13 | — | $452K |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 624 | $142K |
| Life insurance | STANDARD INSURANCE COMPANY | 696 | $574K |
| Short-term disability | STANDARD INSURANCE COMPANY | 696 | $574K |
| Long-term disability | STANDARD INSURANCE COMPANY | 696 | $574K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 651 | $2.2M |
| Other | STANDARD INSURANCE COMPANY | 696 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.