| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.1 Filed as: UMR INC | — | CGI - TOKIO MARINE HCC | — | $227K | $227K | 55.06% |
| KEYSTONE INSURANCE & BENEFITS GROUP5 | 1995 POINT TOWNSHIP DR NORTHTHUMBERLAND, PA 17857 | CGI - TOKIO MARINE HCC | $50K | — | $50K | 12.14% |
| HCC LIFE INSURANCE COMPANY0 | — | CGI - TOKIO MARINE HCC | — | $35K | $35K | 8.38% |
| CGI - COMMERCIAL GROUP INTERMEDIARI0 | 19 ILLINOIS AVENUE SCHAUMBURG, IL 60193 | CGI - TOKIO MARINE HCC | $2K | — | $2K | 0.42% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CGI - TOKIO MARINE HCC | 188 | $412K |
| Dental | CGI - TOKIO MARINE HCC | 188 | $412K |
| Vision | CGI - TOKIO MARINE HCC | 188 | $412K |
| Short-term disability | CGI - TOKIO MARINE HCC | 188 | $412K |
| Prescription drug | CGI - TOKIO MARINE HCC | 188 | $412K |
| Stop-loss / reinsurancereinsurance | CGI - TOKIO MARINE HCC | 188 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.