| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS GLOBAL INSURANCE SERVICES LLC3 | 444 MADISON AVENUE, 18TH FLOOR NEW YORK, NY 10022 | HARTFORD LIFE AND ACCIDENT | $126K | $0 | $126K | 6.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $0 |
| AMERICAN HEALTH HOLDINGS EIN 75-2493178 UTILIZATION REVIEW | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $0 |
| AMWINS CONNECT ADMINISTRATORS, INC EIN 52-1200892 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $0 |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 CLAIMS ADMINISTRATOR | Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $0 |
| EXPRESS SCRIPTS, INC EIN 43-1420563 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $0 |
| HILB GROUP OF NEW ENGLAND LLC EIN 05-0474165 INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $0 |
| IHP EIN 20-1842509 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $0 |
| SISCO BENEFITS CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 800 MAIN STREET DUBUQUE, IA 52001 | $0 |
| TELEMED EIN 20-1842509 TELEMEDICINE | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 4,109 | 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) | 4,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 4,109 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,109 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,109 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,109 | $2.0M |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNERS | 4,109 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 4,109 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,109 | — |
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.