| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | COMPANION LIFE | — | — | $0 | 0.00% |
| SYMETRA LIFE INSURANCE COMPANY3 | 618 KENMOOR AVE SE STE 200 GRAND RAPIDS, MI 49546 | SYMETRA LIFE INSURANCE COMPANY | $7K | $611 | $8K | 9.80% |
| ARDELLIS INSURANCE LIMITED3 | — | ARDELLIS INSURANCE LIMITED | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 THIRD PARTY ADMINISTOR | Contract Administrator Service code 13 | — | $406K |
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 | 817 | 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) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE | 817 | $912K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 817 | $912K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE | 817 | $912K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 829 | $81K |
| Prescription drug(2 contracts, 2 carriers) | COMPANION LIFE | 817 | $912K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 817 | $912K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 829 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.