| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | — | QBE INSURANCE CARRIER | $41K | $71 | $41K | 27.30% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | QBE INSURANCE CARRIER | $25K | — | $25K | 16.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 84130 | $520K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $41K |
| ART HAUSER INSURANCE BROKER | Other commissions Service code 55 | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | $25K |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE CARRIER | 104 | $150K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CARRIER | 104 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.