| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE AGENCY, INC. | 28341 HOOVER ROAD WARREN, MI 48093 | HEALTH ALLIANCE PLAN | $12K | — | $12K | 5.41% |
| NONE | — | INDEPENDENT HEALTH | — | — | $0 | 0.00% |
| HUNTER BENEFITS GROUP LLC3 | 10940 S PARKER RD STE 306 PARKER, CO 801347440 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLORADO | 4643 S ULSTER ST STE 200 DENVER, CO 802372853 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $59 | $1K | 1.02% |
| NONE | — | BLUE CROSS AND BLUE SHIELD OF ALABAMA | — | — | $0 | 0.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 | 4 WESTBROOK CORPORATION CTR STE 500 WESTCHESTER, IL 601545753 | UNITEDHEALTH INSURANCE COMPANY | $1K | $356 | $2K | 2.60% |
| COAST QUOTES INSURANCE AGENCY, INC3 | PO BOX 4585 MISSION VIEJO, CA 926904585 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 7.08% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS - KEYSTONE | $3K | — | $3K | 7.03% |
| ACRISURE LLC3 | 28341 HOOVER ROAD WARREN, MI 48093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $371 | $1K | 9.49% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.14% |
| NORTH WOODS CAPITAL BENEFITS LLC3 Filed as: NORTH WOODS CAPITAL BENEFITS L | 1231 DELAWARE AVENUE SUITE 201 BUFFALO, NY 14209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.30% |
| NONE | — | EXCELLUS BCBS | — | — | $0 | 0.00% |
| HUNTER BENEFITS GROUP LLC3 | 10940 S PARKER RD STE 306 PARKER, CO 801347440 | DELTA DENTAL OF COLORADO | $634 | — | $634 | 6.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY STE 100 DALLAS, TX 75244 | DELTA DENTAL OF COLORADO | $358 | — | $358 | 3.94% |
| HUNTER BENEFITS GROUP LLC3 | 1297 GAMBEL OAKS PL ELIZABETH, CO 80107 | DELTA DENTAL OF COLORADO | $262 | — | $262 | 2.88% |
| N/A | — | BLUE CROSS AND BLUE SHIELD OF ALABAMA | — | — | $0 | 0.00% |
| KUNRATH & WILLARD INSURANCE SERV. L3 | 825 NE 20TH AVE. #320 PORTLAND, OR 97232 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $160 | — | $160 | 2.26% |
| N/A | — | INDEPENDENCE BLUE CROSS - KEYSTONE 65 | — | — | $0 | 0.00% |
| COAST QUOTES INSURANCE AGENCY, INC3 | 43 FEATHER RIDGE MISSION VIEJO, CA 92692 | BLUE SHIELD OF CALIFORNIA | $398 | — | $398 | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA | — | $97 | $97 | 2.43% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | PO BOX 391 LANSDALE, PA 19446 | DELTA DENTAL - SBA PA | $323 | — | $323 | 10.01% |
| KISTLER TIFFANY BENEFITS | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS - PRESCRIPTION | $16 | — | $16 | 0.87% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS - MED. SUP. | $141 | — | $141 | 13.21% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | HEALTH ALLIANCE PLAN | 70 | $775K |
| Dental(8 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 70 | $218K |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 20 | $95K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 20 | $97K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 20 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.