| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTING, INC. | — | GERBER LIFE INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMO MASTER OPERATING TRUST EIN 20-0406498 RELATED ORGANIZATION | Claims processing; Direct payment from the plan; 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 | — | $2.4M |
| SMITH HEALTH, INC. EIN 81-1489804 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $409K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $202K |
| DR. ALVARO OCAMPO EIN 27-4801605 NONE | Direct payment from the plan; Consulting (general); Consulting fees Service code 16 | — | $186K |
| ACUITY-CHS, LLC EIN 52-1044628 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $62K |
| AMERICAN HEALTH ASSOCIATES EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | — | $50K |
| TOP DRAWER MEDIA SOLUTIONS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 5190 NW 165TH ST MIAMI LAKES, FL 330146303 | $42K |
| SANOFI PASTEUR, INC NONE | Other services; Direct payment from the plan Service code 49 | 55 CORPORATE DR BRIDGEWATER, NJ 08807 | $37K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $31K |
| MERRILL LYNCH WEALTH MANAGEMENT EIN 13-5674085 NONE | Securities brokerage; Custodial (securities); Investment management; Direct payment from the plan Service code 19 | — | $27K |
| QUEST DIAGNOSTICS INC EIN 38-2084239 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $20K |
| ALLYFIT, INC EIN 46-5061151 NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| MMT GLOBAL HEALTHCARE, LLC EIN 81-4039455 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| ALLIANT CYBERSECURITY, LLC NONE | Consulting fees; Direct payment from the plan Service code 50 | 3009 POST OAK BLVD STE 1500 HOUSTON, TX 77056 | $12K |
| OKSANA KOCHERGINA NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1935 83RD STREET BROOKLYN, NY 11214 | $11K |
| ELIXIR RX SOLUTIONS, LLC NONE | Direct payment from the plan; Other services Service code 49 | 2181 E AURORA RD STE 201 TWINSBURG, OH 44087 | $8K |
| HENRY SCHEIN, INC. NONE | Other services; Direct payment from the plan Service code 49 | 135 DURYEA ROAD MELVILLE, NY 11747 | $7K |
| 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 | Direct payment from the plan; Other services Service code 49 | 2701 E INSIGHT WAY CHANDLER, AZ 85286 | $6K |
| DILIGENT CORPORATION NONE | Direct payment from the plan; Other services Service code 49 | 111 W 33RD ST STE 16 NEW YORK, NY 10001 | $6K |
| TIERPOINT, LLC EIN 27-2877647 NONE | Direct payment from the plan; Other services Service code 49 | — | $5K |
| TECH PLUS SYSTEMS, INC EIN 13-3599440 NONE | Consulting (general); Consulting fees; 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 | 2,969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,710 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,298 | $365K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,248 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,298 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.