| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURASOURCE INC3 | 2055 CROOKS ROAD APT. 3 ROCHESTER, MI 48309 | AETNA LIFE INSURANCE CO | $80K | $0 | $80K | 0.08% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN INC | $45K | $0 | $45K | 4.13% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $0 | $0 | 0.00% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN CA | $51K | $0 | $51K | 4.84% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $11K | $0 | $11K | 3.62% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $0 | $0 | $0 | 0.00% |
| 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 | 0.00% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF CO | $6K | $0 | $6K | 3.76% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN HI | $1K | $0 | $1K | 5.45% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $159 | $0 | $159 | 2.67% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD STE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $142 | $0 | $142 | 3.99% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURASOURCE BROKER | Other commissions Service code 55 | 2055 CROOKS ROAD ROCHESTER, MI 48309 | $2.8M |
| 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 | 16,465 | 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) | 16,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | AETNA LIFE INSURANCE CO | 15,793 | $102.5M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 3 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,793 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.