| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTING, INC. | 7341 EISENHOWER DRIVE YOUNGSTOWN, OH 44512 | GERBER LIFE INSURANCE COMPANY | $12K | — | $12K | 3.77% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGENCY | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | GERBER LIFE INSURANCE COMPANY | $4K | — | $4K | 1.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMO MASTER OPERATING TRUST EIN 20-0406498 RELATED ORGANIZATION | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $2.7M |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.5M |
| DR. ALVARO CAMPO EIN 27-4801605 NONE | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | — | $179K |
| ELIXIR RX SOLUTIONS NONE | Claims processing; Direct payment from the plan Service code 12 | 2181 EAST AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $162K |
| WITHUMSMITH+BROWN EIN 22-2027092 AUDITOR FOR RELATED PLANS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $152K |
| TECH PLUS SYSTEMS, INC EIN 13-3599440 CONSULTANT FOR RELATED PA | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $67K |
| COMPREHENSIVE HEALTH SERVICES, LLC EIN 20-8620404 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $43K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Other services Service code 49 | — | $42K |
| HORIZON ACTUARIAL SERVICES LLC EIN 26-1370698 ACTUARY FOR RELATED PLANS | Custodial (securities); Actuarial Service code 11 | — | $34K |
| MERRILL LYNCH PIERCE FENNER SMITH EIN 13-5674085 CUSTODIAN FOR RELATED PLA | Custodial (securities) Service code 19 | — | $24K |
| QUEST DIAGNOSTICS INC EIN 38-2084239 NONE | Direct payment from the plan; Consulting (pension); Consulting fees Service code 17 | — | $18K |
| MMT GLOBAL HEALTHCARE INC EIN 81-4039455 NONE | Other services Service code 49 | — | $13K |
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 | 3,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,299 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,728 | $327K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 560 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,728 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.