| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | — | HUMANA HEALTH PLAN INC | $34K | $480 | $34K | 5.07% |
| WLA INSURANCE LLC3 Filed as: WLA INS LLC | — | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.00% |
| WLA INSURANCE LLC3 | — | HUMANA INSURANCE COMPANY | $860 | — | $860 | 9.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | — | HUMANA INSURANCE COMPANY | $80 | — | $80 | 0.84% |
| WLA INSURANCE LLC3 | — | ANTHEM INSURANCE COMPANIES, INC | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 ADMINISTRATOR | Float revenue; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $5K |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN INC | 81 | $675K |
| Dental | ANTHEM INSURANCE COMPANIES, INC | 0 | $0 |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 85 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 113 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $57K |
| Other | HARTFORD LIFE AND ACCIDENT | 113 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.