| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTIONS INC | 602 VIRGINIA ST. CHARLESTON, WV 25301 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 11.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $960K |
| HEALTHSMART BENEFIT SOLUTIONS, INC. EIN 36-4099199 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $238K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Direct payment from the plan; Legal Service code 29 | — | $113K |
| SEIX INVESTMENT ADVISORS EIN 26-1483110 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $67K |
| FIRST TENNESSEE BANK EIN 62-0201385 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $51K |
| L.M. HENDERSON & COMPANY EIN 20-5520612 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $51K |
| BOSTON TRUST & INVESTMENT MGMT. CO. EIN 04-2273811 NONE | Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $43K |
| NEW ENGLAND PENSION CONSULTANTS EIN 26-1429809 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $31K |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $23K |
| CONSULTING & RISK MANAGEMENT SERVIC EIN 61-1317950 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $7K |
| LARRY WYATT TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 720 SUGAR STREET CHILHOWIE, VA 24319 | $6K |
| STEVE HERRING TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | PO BOX 429 FAYETTE, AL 35555 | $6K |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,439 | $131K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,439 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,439 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.