| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE3 Filed as: H.J. KNIGHT INTERNATIONAL | 30 BRAINTREE HILL OFFICE PARK, 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATION EIN 39-1400101 NONE | Consulting (general); Claims processing; Other fees; Consulting fees; Plan Administrator Service code 12 | — | $1.0M |
| UNITED HEALTH CARE INSURANCE CO. EIN 36-2739571 NONE | Other fees; Claims processing Service code 12 | — | $629K |
| MERCER HEALTH & BENEFITS LLC EIN 13-2834414 NONE | Consulting (general); Consulting fees Service code 16 | — | $233K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (other than securities); Custodial (securities); Direct payment from the plan Service code 18 | — | $113K |
| THE PREVIANT LAW FIRM, S.C. EIN 39-1211596 NONE | Legal; Other fees Service code 29 | — | $53K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal; Other fees Service code 29 | — | $48K |
| SIKICH LLP EIN 36-3168081 NONE | Accounting (including auditing); Other fees Service code 10 | — | $30K |
| UMR EIN 36-2739571 NONE | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $21K |
| AURORA EMPLOYER SOLUTIONS EIN 39-1442285 NONE | Other fees Service code 99 | — | $14K |
| WEX HEALTH, INC. EIN 06-1593514 NONE | Claims processing; Direct payment from the plan Service code 12 | 82 HOPMEADOW STREEET, SUITE 220 SIMSBURY, CT 06089 | $12K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Consulting (general); Consulting fees Service code 16 | — | $9K |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,489 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,489 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.