| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 8285 TOURNAMENT DRIVE SUITE 130 MEMPHIS, TN 38125 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $86 | $1K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 8285 TOURNAMENT DRIVE SUITE 130 MEMPHIS, TN 38125 | BLUE CROSS BLUE SHIELD OF ARIZONA | $2K | — | $2K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA STREET FLOOR 7 LOS ANGELES, CA 90017 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $725K |
| AETNA PPO EIN 06-6033492 NONE | Claims processing Service code 12 | — | $283K |
| BENEFIT OUTSOURCING GROUP EIN 46-0503783 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $158K |
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Claims processing Service code 12 | — | $117K |
| MULTIPLAN EIN 43-6004435 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $53K |
| ACCLAIM, INC EIN 72-1356116 NONE | Claims processing Service code 12 | — | $20K |
| DENTEMAX EIN 38-2612296 NONE | Claims processing Service code 12 | — | $12K |
| HEALTH FITNESS EIN 41-1580506 NONE | Claims processing Service code 12 | — | $8K |
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 | 2,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE MEDICAL PLANS | 104 | $603K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 95 | $94K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 70 | $55K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,153 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,153 | $1.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 5 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 1,892 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,153 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,153 | — |
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.
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.