| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURASOURCE INC3 Filed as: INSURASOURCE | 2055 CROOKS ROAD ROCHESTER, MI 48309 | AETNA LIFE INSURANCE CO. | $103K | $0 | $103K | 0.09% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA NAPLES, FL 34119 | AETNA LIFE INSURANCE CO. | $59K | $0 | $59K | 0.05% |
| INSURASOURCE INC3 Filed as: INSURASOURCE, INC. | 1111 WEST LONG LAKE ROAD SUITE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN, INC. | $48K | $0 | $48K | 4.17% |
| INSURASOURCE INC3 Filed as: INSURASOURCE, INC. | 1111 WEST LONG LAKE ROAD SUITE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $4K | $0 | $4K | 4.27% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD, SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 18.77% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA, SUITE 205 NAPLES, FL 34119 | ZURICH AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 9.73% |
| INSURASOURCE INC3 Filed as: INSURASOURCE, INC. | 1111 WEST LONG LAKE ROAD SUITE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 1.81% |
| INSURASOURCE INC3 Filed as: INSURASOURCE, INC. | 1111 WEST LONG LAKE ROAD SUITE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 4.37% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA NAPLES, FL 34119 | AMERICAN FINANCIAL SECURITY | $1K | $0 | $1K | 3.50% |
| INSURASOURCE INC3 Filed as: INSURASOURCE, INC. | 1111 WEST LONG LAKE ROAD SUITE 104 TROY, MI 48098 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $376 | $0 | $376 | 5.07% |
No Schedule C service providers reported on this filing.
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 | 17,829 | 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) | 17,829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | AETNA LIFE INSURANCE CO. | 17,829 | $113.9M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 17,829 | $111.8M |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 139 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,829 | — |
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.