| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL3 | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATION OF WISC EIN 39-1400101 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $127K |
| LEE JOST & ASSOCIATES EIN 39-1400101 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $53K |
| PREVIANT,GOLDBERG,UELMEN,GRATZ EIN 39-1211596 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| US BANK NA EIN 86-0441303 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $14K |
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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 354 | $0 |
| Life insurance | HCC LIFE INSURANCE COMPANY | 354 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.