| 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 | — | — | $0 | 0.00% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN INC | $71K | $0 | $71K | 2.70% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | KAISER FOUNDATION HEALTH PLAN INC | — | $0 | $0 | 0.00% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF CO | $9K | $0 | $9K | 4.22% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $8K | $0 | $8K | 4.26% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER A BELTZ | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | — | $0 | $0 | 0.00% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | — | $0 | $0 | 0.00% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $269 | $0 | $269 | 3.09% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $60 | $0 | $60 | 3.97% |
| SIMPLY MAC, INC.3 | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $0 | $0 | 0.00% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $0 | $0 | 0.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | — | — | $0 | — |
| INSURASOURCE INC3 | — | 4 EVER LIFE INSURANCE COMPANY | — | — | $0 | — |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | — | — | $0 | — |
| INSURASOURCE INC3 | — | BCS INSURANCE COMPANY | — | — | $0 | — |
| VENEFITS, LLC3 Filed as: VENEFITS LLC | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURASOURCE BROKER | Other commissions Service code 55 | 2055 CROOKS ROAD ROCHESTER, MI 48309 | $18K |
| INNOVATIVE INSURANCE SOLUTIONS BROKER | Other commissions Service code 55 | 113 GOFF MOUNTAIN ROAD CROSS LANES, WV 25313 | $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 | 16,060 | 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) | 16,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | AETNA LIFE INSURANCE CO | 16,060 | $87.0M |
| Dental | BCS INSURANCE COMPANY | 0 | $0 |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 4 | $9K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 0 | $0 |
| Other | COMPANION LIFE INSURANCE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,060 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.