| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 4851 LBJ FRWY STE 100 DALLAS, TX 75244 | SYMETRA LIFE INSURANCE COMPANY | $0 | $32K | $32K | 4.49% |
| MCBANE INSURANCE AND FINANCIAL SERV3 | P.O. BOX 2609 WINTERSVILLE, OH 43953 | ANTHEM LIFE INSURANCE COMPANY | $18K | — | $18K | 11.06% |
| HM CENTERED HEALTH INC0 Filed as: HM CENTERED HEALTH, INC. | 19 NORTH MAIN STREET WILKES BARRE, PA 18711 | FOUR EVER LIFE INS. CO. | $0 | $149 | $149 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ, INC. EIN 22-2769024 ADMIN/CONSULTANT FEES | Contract Administrator; Consulting fees Service code 13 | 6050 OAK TREE BLVD. S., SUITE 500 CLEVELAND, OH 44131 | $76K |
| CATHOLIC BENEFIT TRUST EIN 34-7208299 OTHER | Other fees Service code 99 | — | $23K |
| HIGHMARK EIN 23-1294723 ADMINISTRATIVE FEES | Contract Administrator Service code 13 | — | $10K |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 1 | $4K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 769 | $153K |
| Vision | VISION BENEFITS OF AMERICA | 320 | $48K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 353 | $162K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 353 | $162K |
| Prescription drug | FOUR EVER LIFE INS. CO. | 1 | $4K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 318 | $724K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 353 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.