| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS3 | 5560 W. GRANDE MARKER DR. APPLETON, WI 54913 | COMPANION LIFE INSURANCE COMPANY | — | $54K | $54K | 21.92% |
| HLU CONSULTANTS3 Filed as: HLU CONSULTANTS INC | 2144 GILBERT AVE CINCINNATI, OH 45206 | COMPANION LIFE INSURANCE COMPANY | — | $37K | $37K | 14.83% |
| PHCS3 Filed as: MULTIPLAN INC | 115 FIFTH AVENUE 7TH FLOOR NEW YORK, NY 10023 | COMPANION LIFE INSURANCE COMPANY | — | $24K | $24K | 9.76% |
| NARUS HEALTH INC. Filed as: NARUS HEALTH INC. CONCIERGE | 424 CHURCH ST., STE 2300 NASHVILLE, TN 37219 | COMPANION LIFE INSURANCE COMPANY | — | $10K | $10K | 4.01% |
| NARUS HEALTH INC. | 424 CHURCH ST., STE 2300 NASHVILLE, TN 37219 | COMPANION LIFE INSURANCE COMPANY | — | $6K | $6K | 2.47% |
| INTERLINK CARE MANAGEMENT3 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 0.90% |
| AMERICAN HEALTH HOLDINGS3 | P.O. BOX 360142 PITTSBURG, PA 152506142 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 0.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 | Other fees Service code 99 | P.O. BOX 360142 PITTSBURG, PA 152506142 | $0 |
| HLU CONSULTANTS INC EIN 31-0622691 | Insurance agents and brokers Service code 22 | 2144 GILBERT AVE CINCINNATI, OH 45206 | $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 |
| MULTIPLAN EIN 13-3068979 | Other fees Service code 99 | P.O. BOX 29380 NEW YORK, NY 10087 | $0 |
| NARUS HEALTH INC. EIN 47-1929604 | Other fees Service code 99 | 424 CHURCH ST., STE 2300 NASHVILLE, TN 37219 | $0 |
| NARUS HEALTH INC. CONCIERGE EIN 47-1929604 | Other fees Service code 99 | 424 CHURCH ST., STE 2300 NASHVILLE, TN 37219 | $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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 141 | $246K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 141 | $246K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 141 | $246K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 141 | $21K |
| Other | HCC LIFE INSURANCE COMPANY | 141 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.