| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $61K | — | $61K | 8.90% |
| PENTRA LLC5 Filed as: PENTRA | 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | ENVISION INSURANCE COMPANY | $15K | — | $15K | 2.25% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT | $92K | — | $92K | 15.41% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT | $25K | — | $25K | 4.10% |
| PENTRA LLC5 Filed as: PENTRA | 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT | $15K | — | $15K | 2.44% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT | 280 | $599K |
| Prescription drug | ENVISION INSURANCE COMPANY | 281 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.