| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CONSULTING, INC. | — | GERBER LIFE INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 1105 SCHROCK ROAD SUITE 500 COLUMBUS, OH 43229 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMO MASTER OPERATING TRUST EIN 20-0406498 RELATED ORGANIZATION | Direct payment from the plan; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.9M |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.6M |
| SMITH HEALTH, INC. EIN 81-1489804 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $375K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $235K |
| DR. ALVARO OCAMPO EIN 57-1695634 NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $182K |
| CAREFIRST BLUE CROSS BLUE SHIELD NONE | Direct payment from the plan; Claims processing Service code 12 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | $117K |
| AMERICAN HEALTH ASSOCIATES EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | — | $63K |
| ACUITY-CHS, LLC EIN 52-1044628 NONE | Other services; Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $59K |
| SANOFI PASTEUR, INC NONE | Other services; Direct payment from the plan Service code 49 | 55 CORPORATE DR BRIDGEWATER, NJ 08807 | $43K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $43K |
| MERRILL LYNCH, PIERCE, FENNER EIN 13-5674085 NONE | Custodial (securities); Securities brokerage; Investment management fees paid directly by plan; Investment management Service code 19 | — | $29K |
| ALLYFIT, INC EIN 46-5061151 NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $27K |
| QUEST DIAGNOSTICS INC EIN 38-2084239 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $20K |
| BMI AUDIT SERVICES, LLC EIN 38-4091484 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| OKSANA KOCHERGINA NONE | Consulting (general); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1935 83RD ST APT A2 BROOKLYN, NY 11214 | $13K |
| ALLIANT CYBERSECURITY, LLC EIN 83-2822842 NONE | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | — | $10K |
| TOP DRAWER MEDIA SOLUTIONS EIN 59-1550960 NONE | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | — | $9K |
| CONSCIOUS FORM FITNESS EIN 82-5106733 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
| MCKESSON MEDICAL SURGICAL NONE | Other services; Direct payment from the plan Service code 49 | 9954 MARYLAND DRIVE STE 4000 RICHMOND, VA 23233 | $7K |
| INSIGHT DIRECT USA, INC. NONE | Other services; Direct payment from the plan Service code 49 | 2701 E INSIGHT WAY CHANDLER, AZ 85286 | $6K |
| TECH PLUS SYSTEMS, INC EIN 13-3599440 NONE | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | — | $6K |
| HENRY SCHEIN, INC. NONE | Direct payment from the plan; Other services Service code 49 | 135 DURYEA ROAD MELVILLE, NY 11747 | $5K |
| DILIGENT CORPORATION EIN 81-1402466 NONE | Direct payment from the plan; Other services Service code 49 | — | $5K |
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 | 3,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,749 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,196 | $380K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,248 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,248 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.