| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: GWH-CIGNA PPO | PO BOX 645014 CINCINNATI, OH 45264 | GERBER LIFE INSURANCE COMPANY | $4K | $43K | $47K | 26.50% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | GERBER LIFE INSURANCE COMPANY | $0 | $31K | $31K | 17.15% |
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | GERBER LIFE INSURANCE COMPANY | $26K | $0 | $26K | 14.85% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | UNITED HEALTHCARE | $909 | — | $909 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS EIN 35-1450364 NONE | Accounting (including auditing); Claims processing Service code 10 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $31K |
| ONE DIGITAL INSURANCE EIN 58-2522668 NONE | Insurance brokerage commissions and fees; Consulting (general); Insurance agents and brokers Service code 16 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | $26K |
| GWH-CIGNA EIN 84-0467907 NONE | Claims processing Service code 12 | PO BOX 645014 CINCINNATI, OH 45264 | $19K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $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 | 111 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 111 | $178K |
| Dental | UNITED HEALTHCARE | 111 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.