| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | — | $151K | $151K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator; Other services Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $2.7M |
| VIRGIN PULSE, INC. EIN 20-2547480 CONSULTANT | Consulting (general) Service code 16 | 492 OLD CONNECTICUT PATH, SUITE 601 FRAMINGHAM, MA 01701 | $749K |
| GRAND ROUNDS HEALTH EIN 45-3580052 CONSULTATION | Consulting (general) Service code 16 | ONE CALIFORNIA STREET, SUITE 2300 SAN FRANCISCO, CA 94111 | $460K |
| AMERICAN BEHAVORIAL EIN 63-1030881 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2204 LAKESHORE DR 135 BIRMINGHAM, AL 35209 | $109K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-3532603 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 88 BLACK FALCOM AVE, SUITE 167 BOSTON, MA 02210 | $59K |
| OPTUMRX,INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Direct payment from the plan; Other fees; Float revenue Service code 12 | 1600 MCCONNOR PKWY SCHAUMBURG, IL 60173 | $42K |
| BUSINESSOLVER EIN 42-1503807 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 310512 DES MOINES, IA 50331 | $37K |
| MDLIVE EIN 45-4937055 CONSULTATION | Consulting (general) Service code 16 | 3350 SW 148TH AVE, SUITE 300 MIRAMAR, FL 33027 | $7K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 6,986 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,986 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.