| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $9K | $9K | 0.29% |
| MCGRIFF INSURANCE SERVICES INC3 | STE 19 RALEIGH, NC 27612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $259K | $174K | $433K | 21.72% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES3 Filed as: SEDGWICK CLAIMS MGMT SVCS | UNKNOWN MEMPHIS, TN 38125 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $126K | $126K | 6.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | STE 550 SAN ANTONIO, TX 78232 | AMERICAN UNITED LIFE INSURANCE COMPANY | $84K | — | $84K | 4.20% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | STE 550 SAN ANTONIO, TX 78232 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 0.41% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $249K | — | $249K | 12.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | TRUSTMARK INSURANCE COMPANY | $195K | — | $195K | 10.13% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO AVE SUITE 550 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $186K | — | $186K | 9.63% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH (OPTAVISE LLC) | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 0.65% |
| COLE R. RODGERS3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | TRUSTMARK INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RX BENEFITS, INC. EIN 63-1157085 ADMINSTRATOR | Contract Administrator Service code 13 | — | $7.5M |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 ADMINISTRATOR | Other commissions; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Contract Administrator Service code 12 | — | $2.3M |
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 | 2,058 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,688 | $3.1M |
| Vision | VISION SERVICE PLAN | 2,173 | $441K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,058 | $3.9M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,058 | $3.9M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,058 | $2.0M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,688 | $3.1M |
| Other(3 contracts, 3 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,688 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,688 | — |
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.