| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANLEY MCDONALD AGENCY OF ILLINOIS3 | 1101 MAIN ST ONALASKA, WI 54650 | COMPCARE HEALTH SERVICES INSURANCE CORP DBA ANTHEM BLUE CROSS/BLUE SHI | $59K | — | $59K | 16.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPCARE HEALTH SERVICES INS CORP EIN 39-1462554 THIRD PARTY ADMINISTRATOR | Other fees; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 3350 PEACHTREE RD ATLANTA, GA 30326 | $244K |
| EXPRESS SCRIPTS INC EIN 16-1279199 PRESCRIPTION DRUG REBATES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $0 |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORP DBA ANTHEM BLUE CROSS/BLUE SHI | 229 | $348K |
| Prescription drug | COMPCARE HEALTH SERVICES INSURANCE CORP DBA ANTHEM BLUE CROSS/BLUE SHI | 229 | $348K |
| Stop-loss / reinsurancereinsurance | COMPCARE HEALTH SERVICES INSURANCE CORP DBA ANTHEM BLUE CROSS/BLUE SHI | 229 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
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.