| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME RD AMHERST, NY 14228 | HM LIFE INSURANCE COMPANY OF NEW YORK | $0 | — | $0 | 0.00% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME RD AMHERST, NY 14228 | HM LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME RD AMHERST, NY 14228 | HM LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME RD AMHERST, NY 14228 | HM LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $252K |
| COMPCARE HEALTH SERVICES INSURANCE EIN 39-1462554 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | 2270 EASTRIDGE CENTER EAU CLAIRE, WI 54701 | $90K |
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 CONTRACT ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Other fees; Claims processing Service code 12 | 165 COURT ST ROCHESTER, NY 14647 | $80K |
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0100383 CONTRACT ADMINISTRATOR | Other insurance fees and expenses Service code 73 | 450 RIVERSIDE PARKWAY EAST BIRMINGHAM, AL 35298 | $14K |
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 | 1,478 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 372 | $0 |
| Stop-loss / reinsurancereinsurance(4 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY OF NEW YORK | 960 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.