| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH ST. STE 2870 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $8K | $15K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IN | 610 SW ALDER ST, STE 310 PORTLAND, OR 97205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 2.96% |
| LOCKER SAUL3 Filed as: LOCKER, SAUL RICHARD | 1099 18TH ST SUITE 2870 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 2.10% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.62% |
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 | 1,371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,371 | $494K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,371 | $494K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,371 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,371 | — |
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.
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.