| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY3 | 225 TOWNPARK DRIVE, SUITE 350 KENNESAW, GA 301445509 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| H.G.I.D. INC.3 Filed as: H G I D INC | 320 GRANITE RUN DR LANCASTER, PA 17604 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 9.60% |
| HCC LIFE INSURANCE COMPANY3 | 225 TOWNPARK DRIVE, SUITE 350 KENNESAW, GA 301445509 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| H.G.I.D. INC.3 Filed as: H G I D INC | 320 GRANITE RUN DR LANCASTER, PA 17604 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.79% |
| MERITAIN HEALTH5 Filed as: MERITAIN HEALTH, INC | PO BOX 27267 MINNEAPOLIS, MN 554270267 | MERITAIN HEALTH, INC. | — | $133K | $133K | — |
| MERITAIN HEALTH5 Filed as: MERITAIN HEALTH, INC | PO BOX 27267 MINNEAPOLIS, MN 554270267 | MERITAIN HEALTH, INC. | — | $39K | $39K | — |
| MERITAIN HEALTH5 Filed as: MERITAIN HEALTH, INC | PO BOX 27267 MINNEAPOLIS, MN 554270267 | MERITAIN HEALTH, INC. | — | $6K | $6K | — |
| MERITAIN HEALTH5 Filed as: MERITAIN HEALTH, INC | PO BOX 27267 MINNEAPOLIS, MN 554270267 | MERITAIN HEALTH, INC. | — | $2K | $2K | — |
No Schedule C service providers reported on this filing.
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH, INC. | 231 | $0 |
| Dental | MERITAIN HEALTH, INC. | 231 | $0 |
| Vision | MERITAIN HEALTH, INC. | 231 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 361 | $153K |
| Long-term disability | STANDARD INSURANCE COMPANY | 85 | $18K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 227 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.