| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS INC | 36 S CHARLES ST, STE 1000 BALTIMORE, MD 21201 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SPRAGUE CLARK M3 | 2775 WHITE WING LN WEST PALM BEACH, FL 33409 | SYMETRA LIFE INSURANCE COMPANY | $29 | — | $29 | 4.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE STRATEGIES, INC EIN 23-2848954 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $2.7M |
| MHC | Actuarial; Direct payment from the plan Service code 11 | 1501 LOWER STATE ROAD NORTH WALES, PA 19454 | $253K |
| HMC HEALTHWORKS NONE | Direct payment from the plan; Claims processing Service code 12 | 181 COMMODORE DRIVE JUPITER, FL 33477 | $242K |
| BOLTON NONE | Direct payment from the plan; Actuarial Service code 11 | 36 S CHARLES STREET BALTIMORE, MD 21201 | $177K |
| WILLIG, WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal; Direct payment from the plan Service code 29 | — | $115K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| EYE MED | Consulting (general); Direct payment from the plan Service code 16 | 4000 LUXOTTICA PLACE MASON, OH 45040 | $25K |
| OPTUM RX EIN 11-2581812 | Claims processing; Direct payment from the plan Service code 12 | PO BOX 888765 LOS ANGELES, CA 90088 | $25K |
| WILKINSON BENEFIT CONSULTANTS INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1812 W. BURBANK BLVD BURBANK, CA 91506 | $10K |
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 | 3,483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,491 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 4,952 | $38.4M |
| Vision | KEYSTONE HEALTH PLAN EAST | 4,952 | $32K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4 | $595 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,457 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,952 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.