| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | 3131 EAST 67TH STREET ANDERSON, IN 46013 | TOKIO MARINE HCC - STOP LOSS GROUP | $12K | — | $12K | 2.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIFIED GROUP SERVICES, INC. EIN 35-1973675 TPA | Claims processing Service code 12 | 3131 E 6TH STREET ANDERSON, IN 46013 | $175K |
| PHILLIPS FINANCIAL INSURANCE SERVCIES | Insurance services Service code 23 | 6920 POINTE INVERNESS WAY FORT WAYNE, IN 46804 | $70K |
| SIGNATURE CARE EIN 35-1972384 PREFERRED PROVIDER ORG | Other insurance fees and expenses Service code 73 | 10501 CORPORATE DRIVE FORT WAYNE, IN 46845 | $32K |
| HINES & ASSOCIATES CONSULTANT | Consulting fees Service code 70 | 115 E HIGHLAND AVE ELGIN, IL 60120 | $18K |
| ACTIVE HEALTH MANAGEMENT CARE MANAGEMENT | Other fees Service code 99 | 233 SPRING STREET NEW YORK, NY 10013 | $18K |
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 | 653 | 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) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 590 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.