| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROCURED RISK SOLUTIONS, LLC3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE | $14K | — | $14K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE | — | $5K | $5K | 1.86% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 203066 DALLAS, TX 75320 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 1.15% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 203066 DALLAS, TX 75320 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $884 | $884 | 1.19% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 203066 DALLAS, TX 75320 | LIBERTY MUTUAL INSURANCE COMPANY OF BOSTON | — | $495 | $495 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35298 | $881 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 0 | $144K |
| Vision | VISION SERVICE PLAN | 0 | $27K |
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 0 | $75K |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 0 | $122K |
| Long-term disability | LIBERTY MUTUAL INSURANCE COMPANY OF BOSTON | 102 | $41K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE | 0 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.