| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | — | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INSURANCE SERVICES | — | FEDERAL INSURANCE COMPANY | $690 | — | $690 | 25.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE INSURANCE COMPANY EIN 35-1817054 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $104K |
| INTERNATIONAL INSURANCE AGENCY SERV EIN 31-1777676 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $86K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $84K |
| CIGNA EIN 59-1031071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $50K |
| HEALTHSMART CARE MANAGEMENT EIN 75-2960859 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $18K |
| TELADOC EIN 04-3705970 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $4K |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $129K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 305 | $86K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.