| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY MEDICARE SUPPLEMENT | $161K | — | $161K | 15.38% |
| PAM BAYUK3 | NATIONAL RETIREE HEALTH BENEFITS 1738 QUEEN PALM WAY NORTH PORT, FL 34288 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY MEDICARE SUPPLEMENT | $34K | — | $34K | 3.27% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STERLING LIFE - MED D RX PRESCRIPTION DRUG PLAN | $73K | — | $73K | 12.34% |
| PAM BAYUK3 | NATIONAL RETIREE HEALTH BENEFITS 1738 QUEEN PALM WAY NORTH PORT, FL 34288 | STERLING LIFE - MED D RX PRESCRIPTION DRUG PLAN | $6K | — | $6K | 1.06% |
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 | 644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,082 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY MEDICARE SUPPLEMENT | 530 | $1.0M |
| Prescription drug | STERLING LIFE - MED D RX PRESCRIPTION DRUG PLAN | 495 | $593K |
| Stop-loss / reinsurancereinsurance | STERLING LIFE - MED D RX PRESCRIPTION DRUG PLAN | 495 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.