| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS3 | 5560 W. GRANDE MARKER DR. APPLETON, WI 54913 | COMPANION LIFE INSURANCE COMPANY | — | $49K | $49K | 16.65% |
| HLU CONSULTANTS3 Filed as: HLU CONSULTANTS INC | 2144 GILBERT AVE CINCINNATI, OH 45206 | COMPANION LIFE INSURANCE COMPANY | — | $37K | $37K | 12.47% |
| HS TECHNOLOGY SOLUTIONS3 | 3857 BIRCH ST SUITE 586 NEWPORT BEACH, CA 92660 | COMPANION LIFE INSURANCE COMPANY | — | $19K | $19K | 6.45% |
| MEDWATCH LLC3 | P.O. BOX 21796 TAMPA, FL 33630 | COMPANION LIFE INSURANCE COMPANY | — | $6K | $6K | 1.91% |
| PHCS3 Filed as: HEALTHEOS | P.O. BOX 29380 NEW YORK, NY 100879380 | COMPANION LIFE INSURANCE COMPANY | — | $5K | $5K | 1.79% |
| AMERICAN HEALTH HOLDINGS3 | P.O. BOX 360142 PITTSBURG, PA 152506142 | COMPANION LIFE INSURANCE COMPANY | — | $4K | $4K | 1.26% |
| INTERLINK CARE MANAGEMENT3 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 | Other fees Service code 99 | P.O. BOX 360142 PITTSBURG, PA 152506142 | $0 |
| HEALTHEOS EIN 39-1634080 | Other fees Service code 99 | P.O. BOX 29380 NEW YORK, NY 100879380 | $0 |
| HLU CONSULTANTS INC EIN 31-0622691 | Insurance agents and brokers Service code 22 | 2144 GILBERT AVE CINCINNATI, OH 45206 | $0 |
| HS TECHNOLOGY SOLUTIONS EIN 27-1818792 | Other fees Service code 99 | 3857 BIRCH ST SUITE 586 NEWPORT BEACH, CA 92660 | $0 |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 | Other fees Service code 99 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | $0 |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 | Contract Administrator Service code 13 | 5560 W. GRANDE MARKER DR APPLETON, WI 54913 | $0 |
| MEDWATCH LLC EIN 16-1662117 | Other fees Service code 99 | P.O. BOX 21796 TAMPA, FL 33630 | $0 |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 127 | $293K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 127 | $293K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 127 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.