| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL DEMORAY3 | THE DEMORAY GROUP 60 RHOADS CENTER DRIVE, SUITE A DAYTON, OH 45458 | SWISS RE | $63K | — | $63K | 12.50% |
| THE UNDERWRITERS GROUP INC5 Filed as: UNDERWRITERS SAFETY & CLAIMS | 1700 EASTPOINT PARKWAY P.O. BOX 23790 LOUISVILLE, KY 40223 | SWISS RE | $32K | — | $32K | 6.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICE CORPORATION EIN 90-0345133 | Contract Administrator Service code 13 | — | $51K |
| MMO EIN 34-0648820 | Other fees Service code 99 | — | $51K |
| HINES & ASSOCIATES EIN 36-3545085 | Other fees Service code 99 | — | $17K |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SWISS RE | 255 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.