| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SERVICES | PO BOX 29675 DBA BENEFITM DEPT. #2027 PHOENIX, AR 850389675 | HCC LIFE INSURANCE COMPANY | $75K | $0 | $75K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | $0 | $65K | 14.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 9.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERRED ONE EIN 41-1846481 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $170K |
| DDMN ASO, LLC EIN 41-1852523 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $59K |
| WEX HEALTH EIN 06-1593514 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $19K |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,171 | $443K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,167 | $278K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 850 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,171 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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.
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.