| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAPA INSURANCE CENTER3 | 6500 RIVER PLACE BLVD BLDG 7 #250 AUSTIN, TX 78730 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $78K | — | $78K | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAPA INSURANCE CENTER N/A | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | 1901 RIO MESA DR. AUSTIN, TX 78732 | $905K |
| TRUST BENEFIT CONSULTANTS N/A | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | SIX CONCOURSE PARKWAY ATLANTA, GA 30328 | $611K |
| POLYCOMP ADMINISTRATION SERVICES EIN 95-2889854 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | PO BOX 12630 SAN DIEGO, CA 92112 | $371K |
| 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 | $129K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92122 | $44K |
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 | 2,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,942 | $21.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,942 | $20.8M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,942 | $20.8M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,942 | $20.8M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,942 | $20.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,942 | — |
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 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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.