| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 910 SYLVAN AVE 1ST FLOOR ENGLEWOOD CLIFFS, NJ 07632 | HM LIFE INSURANCE COMPANY | $108K | — | $108K | 9.75% |
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 910 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 12.66% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY HAWTHORNE, NY 10532 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | — | $7K | $7K | 5.00% |
| ASSURANCE AGENCY LTD3 | 1750 E. GOLF ROAD 11TH FLOOR SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.01% |
| ENROLLMENT FIRST INC3 Filed as: ENROLLMENT FIRST | 6712 DEANE HILL DRIVE KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 MEDICAL TPA | Contract Administrator; Plan Administrator; Claims processing; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $435K |
| ARMS INSURANCE GROUP, LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 3000 LENTO BLVD BETHEL PARK, PA 15102 | $68K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL CLAIMS ASO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Participant communication; Contract Administrator; Plan Administrator Service code 12 | — | $63K |
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 MEDICAL TPA | Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Claims processing Service code 12 | — | $39K |
| ASSURANCE AGENCY LTD INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1750 E. GOLF ROAD, 11TH FLOOR SCHAUMBURG, IL 60173 | $25K |
| AMERICAN HEALTH DATA INSTITUTE CONSULTING | Consulting (general) Service code 16 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $11K |
| RGI LLC CONSULTING | Consulting (general) Service code 16 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $5K |
| MULTIPLAN EIN 35-2048379 MEDICAL NETWORK | Claims processing Service code 12 | — | $4K |
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 | 6,773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 66 | $465K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,751 | $132K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,960 | $283K |
| Short-term disability | UNUM LIFE INSRUANCE COMPANY OF AMERICA | 373 | $146K |
| Long-term disability | UNUM LIFE INSRUANCE COMPANY OF AMERICA | 373 | $146K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 66 | $465K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 794 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 6,960 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,960 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.