| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $18K | $21K | 3.36% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE XING SUITE 900 INDIANAPOLIS, IN 46240 | HUMANA INSURANCE GROUP | $2K | $0 | $2K | 3.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 4 RESEARCH DRIVE SHELTON, CT 06484 | $293K |
| TRUERX MANAGEMENT SERVICES EIN 26-0502364 PBM | Claims processing Service code 12 | PO BOX 431 2495 E. NATIONAL HWY WASHINGTON, IN 47501 | $88K |
| LIFECARE EIN 20-0446713 N/A | Other services; Direct payment from the plan Service code 49 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $12K |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,196 | $377K |
| Vision | VISION SERVICE PLAN | 404 | $122K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $615K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $615K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 495 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,196 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.