| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS | 400 FIELD DRIVE LAKE FOREST, IL 60045 | UNIMERICA INSURANCE COMPANY | $11K | — | $11K | 3.00% |
| HALEY WARD & ASSOCIATES CORP3 | PO BOX 216 BAD AXE, MI 48413 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK EIN 35-1846036 | Claims processing Service code 12 | PO BOX 2310 MT CLEMENS, MI 48046 | $92K |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 118 | $357K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $46K |
| Short-term disability | UNIMERICA INSURANCE COMPANY | 118 | $357K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.