| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS RISK LLC3 | 218 N LEE STREET SUITE 306 ALEXANDRIA, VA 22314 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $6K | — | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF IL EIN 36-1236610 CLAIMS ADMIN | Contract Administrator Service code 13 | — | $2.3M |
| CARE ATC EIN 73-1598062 HEALTH CLINIC | Contract Administrator Service code 13 | — | $433K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 PHARMACY BENE FIT MANAGER | Contract Administrator Service code 13 | — | $316K |
| ALDRICH CONTRUCTION EIN 37-1493430 HEALTH CLINIC REMODEL | Contract Administrator Service code 13 | — | $169K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 CASE MANAGEMENT | Contract Administrator Service code 13 | — | $165K |
| MEDICAL REVIEW INSTITUTE EIN 87-0394756 MEDICAL NECES SITY AUD | Contract Administrator Service code 13 | — | $27K |
| ALERE WELLBEING EIN 20-0231080 TOBACCO CESSA TION | Contract Administrator Service code 13 | — | $26K |
| RBG TECH CONSULTING LLC EIN 10-1468809 CONSULTING | Contract Administrator Service code 13 | — | $20K |
| CONTEXT 4 HEALTHCARE EIN 27-0386030 CLAIMS SYST MAINTENANCE | Contract Administrator Service code 13 | — | $11K |
| EMDEON EIN 20-5799664 EDI CONSULTING | Contract Administrator Service code 13 | — | $9K |
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 | 7,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 7,310 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,310 | — |
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.