| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.1 Filed as: UMR INC | — | CGI - TOKIO MARINE HCC | — | $184K | $184K | 41.76% |
| KEYSTONE INSURANCE & BENEFITS GROUP5 Filed as: KEYSTONE INSURANCE AND BENEFITS | — | CGI - TOKIO MARINE HCC | $52K | — | $52K | 11.71% |
| HCC LIFE INSURANCE COMPANY0 | — | CGI - TOKIO MARINE HCC | — | $34K | $34K | 7.71% |
| COMMERCIAL GROUP INTERMEDIARIES0 | — | CGI - TOKIO MARINE HCC | $2K | — | $2K | 0.39% |
| BENEFIT MALL/MATHER & STROHL ADMIN0 Filed as: BENEFIT MALL EAST COAST | — | CGI - TOKIO MARINE HCC | — | — | $0 | 0.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CGI - TOKIO MARINE HCC | 184 | $442K |
| Dental | CGI - TOKIO MARINE HCC | 184 | $442K |
| Vision | CGI - TOKIO MARINE HCC | 184 | $442K |
| Short-term disability | CGI - TOKIO MARINE HCC | 184 | $442K |
| Prescription drug | CGI - TOKIO MARINE HCC | 184 | $442K |
| Stop-loss / reinsurancereinsurance | CGI - TOKIO MARINE HCC | 184 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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 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.