| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC.5 Filed as: HEALTHSCOPE BENEFITS | 5150 E DUBLIN GRANVILLE RD STE 300 WESTERVILLE, OH 43081 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS EIN 71-0847266 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $137K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Investment management; Direct payment from the plan Service code 27 | — | $56K |
| THE SEGAL COMPANY (MIDWEST) INC. EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $46K |
| ROMOLO & ASSOCIATES, CPA'S EIN 37-1077733 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| CAVANAGH & O'HARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| SAVRX EIN 47-0527013 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| MEDICAL COST MANAGEMENT EIN 36-3445315 NONE | Direct payment from the plan; Other fees Service code 50 | — | $6K |
| CHARLES SCHWAB & CO EIN 94-1737782 NONE | Securities brokerage commissions and fees; Investment management fees paid directly by plan; Shareholder servicing fees Service code 51 | — | $50 |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 412 | $4.3M |
| Vision | VISION SERVICE PLAN | 399 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 420 | $5K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 424 | $229K |
| Other(3 contracts, 2 carriers) | TOKIO MARINE HCC | 428 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.