| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES LLC | 315 MONTGOMERY STREET SUITE 900 SAN FRANCISCO, CA 94104 | HCC LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY STREET SUITE 900 SAN FRANCISCO, CA 94104 | SYMETRA LIFE INSURANCE COMPANY | $4K | $488 | $4K | 16.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLEX COMPENSATION INC. EIN 41-1447673 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $208K |
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $161K |
| DELTA DENTAL OF MINNESOTA EIN 41-0952670 NONE | Claims processing Service code 12 | — | $23K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| MCGRANN, SHEA, ET AL EIN 41-1654544 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| THE HOWARD E NYHART COMPANY EIN 35-0966414 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
| T.E.A.M., INC. EIN 83-0469948 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 535 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 546 | $219K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 535 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.