| 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 | $26K | — | $26K | 10.35% |
| RMFS BENEFIT SOLUTIONS3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.2M |
| AMO MASTER OPERATING TRUST EIN 20-0406498 RELATED ORGANIZATION | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 12 | — | $2.2M |
| DR. ALVARO CAMPO EIN 27-4801605 NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | — | $186K |
| WITHUMSMITH & BROWN EIN 22-2027092 AUDITOR FOR RELATED PLANS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $176K |
| ENVISION PHARMACEUTICAL EIN 90-1011712 NONE | Claims processing Service code 12 | — | $172K |
| TECH PLUS SYSTEMS EIN 13-3599440 CONSULTANT FOR RELATED PL | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting (general) Service code 15 | — | $92K |
| COMPREHENSIVE HEALTH SERVICES EIN 20-8620404 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $81K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Other services Service code 49 | — | $74K |
| ALLYFIT INC EIN 46-5061151 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $57K |
| GROOM LAW GROUP, CHARTERED NONE | Legal Service code 29 | 1701 PENNSYLVANIA AVE, NW WASHINGTON, DC 20006 | $32K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 ACTUARY FOR REALTED PLANS | Direct payment from the plan; Actuarial Service code 11 | — | $29K |
| QUEST DIAGNOSTICS INC EIN 38-2084239 NONE | Consulting (pension); Consulting fees; Direct payment from the plan Service code 17 | — | $25K |
| MMT GLOBAL HEALTHCARE EIN 81-4039455 NONE | Other services Service code 49 | — | $13K |
| BINDU BROS INC EIN 47-4014495 NONE | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | — | $12K |
| UNIVERSITY SERVICES EIN 23-2584933 NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | — | $6K |
| NATIONAL HEALTHCARE ACCESS INC EIN 34-1671824 NONE | Consulting fees; Insurance brokerage commissions and fees; Consulting (general); Direct payment from the plan 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 | 3,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,203 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,600 | $247K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 560 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,600 | — |
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.