| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC5 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | MERITAIN HEALTH | — | $81K | $81K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 2111 EAST HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $64K | $0 | $64K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $115K | $0 | $115K | 12.66% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | DDMN ASO, LLC | $9K | $0 | $9K | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE LLC | 711 EISENHOWER DR KIMBERLY, WI 53146 | DDMN ASO, LLC | $812 | $0 | $812 | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $367K |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Contract Administrator; Plan Administrator Service code 13 | — | $57K |
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 | 1,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 864 | $1.6M |
| Dental | DDMN ASO, LLC | 1,083 | $865K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,524 | $910K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,524 | $910K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 851 | $1.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,524 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,524 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.