| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $4K | $7K | 16.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS LTD NONE | Claims processing Service code 12 | 953 AMERICAN LN SUITE 100 SCHAUMBURG, IL 60173 | $93K |
| HEALTHLINK EIN 43-1364135 NONE | Other fees Service code 99 | 1831 CHESTNUT ST LOUIS, MO 63103 | $44K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Other fees Service code 99 | — | $25K |
| HEALTHSMART PREFERRED CARE INC EIN 75-2508316 NONE | Other fees Service code 99 | — | $1K |
| HEALTHSMART PREFERRED NETWORK II EIN 06-1621470 NONE | Other fees Service code 99 | — | $320 |
| HEALTH ESO BY MULTIPLAN INC EIN 39-1634080 NONE | Other fees Service code 99 | — | $40 |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $44K |
| Stop-loss / reinsurancereinsurance(2 contracts) | WESTPORT INSURANCE CORPORATION | 496 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.