| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDRICK EMPLOYEE BENEFITS INC3 Filed as: TEDRICK EMPLOYEE BENEFITS | 1129 BROADWAY PO BOX 983 MOUNT VERNON, IL 62864 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 15.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE | PO BOX 632866 CINCINNATI, OH 45263 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $118 | $0 | $118 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONSOCIATE HEALTH GROUP EIN 37-1351918 NONE | Other services; Claims processing; Plan Administrator Service code 12 | 2828 NORTH MONROE STREET DECATUR, IL 62526 | $55K |
| TEDRICK EMPLOYEE BENEFITS EIN 36-4178615 NONE | Insurance agents and brokers Service code 22 | 1129 BROADWAY ST PO BOX 983 MOUNT VERNON, IL 62864 | $34K |
| MULTI-PLAN HST EIN 13-3068979 NONE | Plan Administrator; Claims processing; Other services Service code 12 | PO BOX 29380 GENERAL POST OFFICE NEW YORK CITY, NY 10087 | $25K |
| APPLIED HEALTH ANALYTICS EIN 46-0975300 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | 480 JAMES ROBERTSON PARKWAY SUITE 200 NASHVILLE, TN 37219 | $7K |
| PRECEDENCE EIN 37-1288604 NONE | Claims processing; Other services Service code 12 | 1409 EAST KIMBERLY ROAD DAVENPORT, IA 52804 | $4K |
| SELF INSURED REPORTING EIN 81-5363137 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | 2131 WOODRUFF ROAD SUITE 2100-133 GREENVILLE, SC 29607 | $2K |
| HEALTHCARE BLUE BOOK COMPLIANCE EIN 46-4399706 NONE | Accounting (including auditing); Other services Service code 10 | 3300 FRANKLIN ROAD SUITE 135A 428 BRENTWOOD, TN 37027 | $2K |
| PHIA GROUP HEALTH CONSULTING EIN 04-3504115 NONE | Claims processing; Other services Service code 12 | PO BOX 499 CANTON, MA 02021 | $0 |
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 | 124 | 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. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $101K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $101K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $101K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $101K |
| Stop-loss / reinsurancereinsurance | SKYWARD SPECIALTY INSURANCE | 124 | $0 |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.