| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | PARTNERS MANAGING GENERAL UNDERWRITERS | $49K | — | $49K | 9.61% |
| BRS GROUP LTD3 | MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.00% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.00% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.00% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA(1) | $3K | — | $3K | 7.69% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA(2) | $232 | — | $232 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA CORPORATION EIN 06-0303370 THIRD PARTY CONTRACTOR | Claims processing Service code 12 | — | $68K |
| FIVE HORIZONS FUTURE LLC EIN 82-3616689 THIRD PARTY CONTRACTOR | Consulting (general) Service code 16 | — | $61K |
| HEALTHPLAN DATA SOLUTIONS EIN 27-2317602 THIRD PARTY CONTRACTOR | Other fees Service code 99 | — | $19K |
| TELADOC INC EIN 41-3705970 THIRD PARTY CONTRACTOR | Other services Service code 49 | — | $11K |
| OPTUM RX EIN 11-2581812 THIRD PARTY CONTRACTOR | Claims processing Service code 12 | — | $6K |
| HEALTHCARE EXCHANGE LTD EIN 38-2612298 THIRD PARTY CONTRACTOR | Claims processing Service code 12 | — | $6K |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $117K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA(2) | 416 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA(1) | 416 | $36K |
| Stop-loss / reinsurancereinsurance | PARTNERS MANAGING GENERAL UNDERWRITERS | 416 | $511K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.