No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUST BENEFIT CONSULTANTS N/A | Consulting fees; Direct payment from the plan Service code 50 | SIX CONCOURSE PARKWAY ATLANTA, GA 30328 | $959K |
| NAPA INSURANCE CENTER N/A | Consulting fees; Direct payment from the plan Service code 50 | 1901 RIO MESA DR. AUSTIN, TX 78732 | $668K |
| DECISELY N/A | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | 3700 MANSELL ROAD, SUITE 400 ALPHARETTA, GA 30022 | $658K |
| POLYCOMP ADMINISTRATION SERVICES EIN 95-2889854 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | 404 CAMINO DEL RIO S 608 SAN DIEGO, CA 92108 | $587K |
| WOLDS LAW GROUP EIN 80-0462356 N/A | Direct payment from the plan; Legal Service code 29 | 4747 EXECUTIVE DRIVE 250 SAN DIEGO, CA 92121 | $217K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92122 | $41K |
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 | 5,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 10,583 | $33.3M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 10,583 | $33.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,583 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.