| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD, INC. | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $3.8M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $295K |
| WAGEWORKS EIN 94-3351864 CLAIMS PROCESSING | Claims processing Service code 12 | — | $40K |
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 | 7,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 6 | $41K |
| Dental | TRIPLE-S SALUD, INC. | 6 | $41K |
| Prescription drug | TRIPLE-S SALUD, INC. | 6 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.