| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTWOOD CONSULTANTS3 Filed as: EASTWOOD, JEREMY | 3150 RT. 60 ONA, WV 25545 | HCC LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| GEM STATE LLC3 Filed as: GEM-YOUNG INSURANCE AND FINANCIAL | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| RMFS BENEFIT SOLUTIONS3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMO MASTER OPERATING TRUST EIN 20-0406498 RELATED ORGANIZATION | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $2.2M |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| UMR, INC EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $366K |
| DR. ALVARO CAMPO EIN 27-4801605 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $186K |
| ENVISION PHARMACEUTICAL EIN 90-1011712 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $162K |
| BOND BEEBE EIN 52-1044197 AUDITOR FOR RELATED PLANS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $149K |
| TECH PLUS SYSTEMS EIN 13-3599440 CONSULT FOR RELATED PLANS | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $131K |
| COMPREHENSIVE HEALTH SERVICES EIN 52-1044628 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $74K |
| AMERICAN HEALTH HOLDING, INC EIN 31-1368946 NONE | Direct payment from the plan; Other services Service code 49 | — | $56K |
| ALLYFIT, INC EIN 46-5061151 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $49K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 ACTUARY FOR RELATED PLANS | Direct payment from the plan; Actuarial Service code 11 | — | $29K |
| REZLEGAL LLC NONE | Legal; Direct payment from the plan Service code 29 | 816 A1A NORTH SUITE 204 PONTE VEDRA BEACH, FL 32082 | $25K |
| QUEST DIAGNOSTICS, INC EIN 38-2084239 NONE | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | — | $24K |
| BINDU BROS, INC EIN 47-4014495 NONE | Direct payment from the plan; Consulting (general); Consulting fees Service code 16 | — | $18K |
| PURK & ASSOCIATES PC EIN 26-4532849 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| MMT GLOBAL HEALTHCARE EIN 81-4039455 NONE | Other services; Direct payment from the plan Service code 49 | — | $12K |
| NEEDLES & ASSOCIATES LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
| NATIONAL HEALTHCARE ACCESS, INC EIN 34-1671824 NONE | Consulting fees; Insurance brokerage commissions and fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $8K |
| UNIVERSITY SERVICES EIN 23-2584933 NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $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 | 3,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,553 | $245K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 560 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,553 | — |
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.