No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 CONTRACT ADMIN | Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | $869K |
| LOCKTON COMPANIES EIN 90-0007886 ACTUARY/CONSULTANT | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | 444 47TH STREET KANSAS CITY, MO 64112 | $252K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | PO BOX 780320 ST LOUIS, MO 63179 | $101K |
| HEALTHEQUITY INC EIN 52-2383166 CONTRACT ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | 15 W SCENIC POINTE DR STE 100 DRAPER, UT 84020 | $34K |
| WAGEWORKS INC EIN 94-3351864 ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 1100 PARK PLACE 4TH FLOOR SAN METEO, CA 94403 | $16K |
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 | 2,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,484 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,484 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.