| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | GERBER LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | — | CAITLIN INSURANCE COMPANY, INC. | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.6M |
| 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 | — | $2.4M |
| DR. ALVARO CAMPO EIN 27-4801605 NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $188K |
| WITHUMSMITH & BROWN EIN 22-2027092 AUDITOR FOR RELATED PLANS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $179K |
| ENVISION PHARMACEUTICAL EIN 90-1011712 NONE | Claims processing Service code 12 | — | $168K |
| TECH PLUS SYSTEMS EIN 13-3599440 CONSULTANT FOR RELATED PL | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $115K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Other services Service code 49 | — | $75K |
| COMPREHENSIVE HEALTH SERVICES LLC EIN 20-8620404 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $49K |
| HORIZON ACTUARIAL SERVICES LLC EIN 26-1370698 ACTUARY FOR RELATED PLANS | Custodial (securities); Actuarial Service code 11 | — | $29K |
| QUEST DIAGNOSTICS INC EIN 38-2084239 NONE | Consulting fees; Direct payment from the plan; Consulting (pension) Service code 17 | — | $24K |
| MERRILL LYNCH PIERCE FENNER SMITH EIN 13-5674085 CUSTODIAN FOR RELATE | Custodial (securities) Service code 19 | — | $24K |
| MMT GLOBAL HEALTHCARE INC EIN 81-4039455 NONE | Other services Service code 49 | — | $13K |
| UNIVERSITY SERVICES EIN 23-2584933 NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | — | $6K |
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 | 3,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,271 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,562 | $308K |
| Other | CAITLIN INSURANCE COMPANY, INC. | 560 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,562 | — |
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.