| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INSURANCE SOLUTIONS 113 | GOFF MOUNTAIN ROAD CROSS LANES, WV 25313 | AETNA LIFE INSURANCE CO | $385 | $0 | $385 | 0.00% |
| VENEFITS, LLC3 Filed as: VENEFITS LLC | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $117K | $133K | 1.66% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.60% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 0.94% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $1K | $20K | $21K | 14.93% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER A BELTZ | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $3K | $0 | $3K | 1.96% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $1K | $0 | $1K | 0.93% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF CO | $4K | $0 | $4K | 3.23% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $18K | $0 | $18K | 17.54% |
| INSURASOURCE INC3 | — | BCS INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.55% |
| INSURASOURCE INC3 | — | 4 EVER LIFE INSURANCE COMPANY | $210 | $0 | $210 | 2.37% |
| SIMPLY MAC, INC.3 | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | — | $0 | — |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURASOURCE BROKER | Other commissions Service code 55 | 2055 CROOKS RD ROCHESTER, MI 48309 | $697K |
| INNOVATIVE INSURANCE SOLUTIONS BROKER | Other commissions Service code 55 | 113 GOFF MOUNTAIN ROAD CROSS LANES, WV 25313 | $251K |
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 | 11,464 | 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) | 11,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | AETNA LIFE INSURANCE CO | 11,464 | $56.6M |
| Dental | BCS INSURANCE COMPANY | 341 | $105K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 870 | $327K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 578 | $88K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 127 | $9K |
| Other | COMPANION LIFE INSURANCE | 578 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,464 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.