| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE EXCHANGE INC3 Filed as: INSURANCE EXCHANGE INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | ANTHEM INSURANCE COMPANIES | $45K | — | $45K | 8.23% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE INC. | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 16.25% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE OF AMERICA | $3K | — | $3K | 4.58% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $53 | $2K | 3.37% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $405 | $4K | 8.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 CLAIMS PROCESSOR | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $552K |
| ANTHEM INSURANCE COMPANIES, INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $71K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 RX PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees; Claims processing; Float revenue Service code 12 | 9246 PORTAGE INDUSTRIAL DR. PONTAGE, MI 49024 | $13K |
| BASIC EIN 38-2883561 COBRA ADMIN FEES | Contract Administrator; Direct payment from the plan Service code 13 | — | $9K |
| UNUM LIFE INSURANCE EIN 01-0278678 ASO CONTRACT | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM INSURANCE COMPANIES | 344 | $542K |
| Life insurance(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $361K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $232K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $223K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES | 344 | $542K |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.