| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.5 Filed as: HEALTH COST SOLUTIONS | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | $27K | $77K | $104K | 17.89% |
| COMMERCIAL GROUP INTERMEDIARIES0 | — | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $27K | $27K | 4.62% |
| INNOVATIVE BENEFIT PLANNING, LLC0 Filed as: INNOVATIVE CARE MANAGEMENT | — | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $13K | $13K | 2.19% |
| HSTECHNOLOGY SOLUTIONS, INC0 Filed as: HSTECHNOLOGY SOLUTIONS, INC. | — | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $12K | $12K | 2.14% |
| BAPTIST HEALTH PLAN0 | — | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $11K | $11K | 1.96% |
| PRIVATE HEALTHCARE SYSTEMS, INC0 Filed as: PRIVATE HEALTHCARE SYSTEMS | — | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $1K | $1K | 0.18% |
No Schedule C service providers reported on this filing.
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 151 | $581K |
| Dental | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 151 | $581K |
| Vision | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 151 | $581K |
| Short-term disability | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 151 | $581K |
| Prescription drug | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 151 | $581K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 151 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.