| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711K | — | $711K | 27.29% |
| ACS HUMAN RESOURCE SOLUTIONS, INC.3 | BUCK CONSULTANTS, LLC PO BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | $28K | — | $28K | 6.90% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | $11K | $7K | $18K | 4.42% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | PO BOX 310411 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $3K | — | $3K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AT WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $169 | $169 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $18 | $18 | 0.00% |
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 | 6,670 | 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) | 6,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 17,015 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,015 | — |
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."
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.