| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL MEDICAL Filed as: MUTUAL MEDICAL C/O RON JONES | 416 MAIN ST STE 1025 PEORIA, IL 616021126 | SYMETRA LIFE INSURANCE COMPANY | $29K | $13K | $42K | 24.35% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 6.68% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 5.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL MEDICAL PLANS INC EIN 37-1013512 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 416 MAIN STREET SUITE 1025 PEORIA, IL 61602 | $47K |
| HEALTHLINK, INC EIN 43-1364165 CLAIMS PRICING | Claims processing Service code 12 | 1831 CHESTNUT ST ST LOUIS, MO 63103 | $16K |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 56 | $153K |
| Prescription drug(2 contracts) | HUMANA INSURANCE COMPANY | 56 | $153K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 105 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.