| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTUMRX, INC.3 Filed as: OPTUMRX | — | TOKIO MARINE | $0 | $681K | $681K | 229.39% |
| UMR, INC.3 | PO BOX 1087 WAUSAU, WI 54402 | TOKIO MARINE | $0 | $118K | $118K | 39.79% |
| PLATINUM BENEFIT CONSULTING GROUP3 Filed as: PLATINUM BENEFIT CONSULTING | 4215 EDISON LAKES PARKWAY STE 200 MISHAWAKA, IN 46545 | TOKIO MARINE | $0 | $28K | $28K | 9.46% |
| PLATINUM BENEFIT CONSULTING GROUP3 Filed as: PLATINUM BENEFIT CONSULTING | 4215 EDISON LAKES PARKWAY STE 200 MISHAWAKA, IN 46545 | ANTHEM LIFE INSURANCE COMPANY | $17K | $0 | $17K | 13.69% |
| PLATINUM BENEFIT CONSULTING GROUP3 Filed as: PLATINUM BENEFIT CONSULTING | 4215 EDISON LAKES PARKWAY STE 200 MISHAWAKA, IN 46545 | ANTHEM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PLATINUM BENEFIT CONSULTING GROUP3 Filed as: PLATINUM BENEFIT CONSULTING GRP | 4215 EDISON LAKES PARKWAY STE 200 MISHAWAKA, IN 46545 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 294 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 294 | $297K |
| Dental | TOKIO MARINE | 294 | $297K |
| Vision | TOKIO MARINE | 294 | $297K |
| Life insurance(3 contracts, 3 carriers) | TOKIO MARINE | 352 | $442K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 297 | $55K |
| Prescription drug | TOKIO MARINE | 294 | $297K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 294 | $297K |
| Other | TOKIO MARINE | 294 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.