| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS3 | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | RX BENEFITS | $0 | $12K | $12K | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $312K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Insurance agents and brokers Service code 22 | — | $75K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NETWORK PROVIDER | Consulting (general) Service code 16 | — | $63K |
| MEDICAL BENEFITS MUTTUAL EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | — | $32K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CONTRACT | Other fees Service code 99 | — | $15K |
| MIDLAND'S CHOICE EIN 47-0804331 CONTRACT | Other fees Service code 99 | — | $15K |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD | 689 | $315K |
| Long-term disability | THE STANDARD | 689 | $146K |
| Prescription drug | RX BENEFITS | 685 | $1.7M |
| Stop-loss / reinsurancereinsurance | PAN AMERICA/ECU | 687 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.