| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS RISK LLC3 | 218 N LEE ST STE 306 ALEXANDRIA, VA 22314 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHEILD EIN 47-0851593 PPO NETWORK | Contract Administrator Service code 13 | — | $1.6M |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 PHARMACY BENE FIT MANAGER | Contract Administrator Service code 13 | — | $237K |
| AMERICAN HEALTH HOLDINGS, INC EIN 31-1368946 CASE MANAGEMENT | Contract Administrator Service code 13 | — | $159K |
| HEALTH DESIGN PLUS, INC EIN 34-1593929 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $86K |
| AMERICAN WELL CORPORATION EIN 46-0787784 TELEHEALTH SERVICES | Contract Administrator Service code 13 | — | $34K |
| OPTUM,CONSUMERWELLNESSSOLUTIONS,INC EIN 20-0231080 TOBACCO CESSA TION PRO | Contract Administrator Service code 13 | — | $15K |
| BKD, LLP EIN 44-0160260 PLAN AUDITORS | Contract Administrator Service code 13 | — | $14K |
| CONTEXT 4 HEALTHCARE EIN 27-0386030 CLAIMS SYSTEM | Contract Administrator Service code 13 | — | $12K |
| NATIONAL BUSINESS GROUP EIN 52-1147592 PLAN DESIGN/C OMPLIANCE | Contract Administrator Service code 13 | — | $9K |
| CHANGE HEALTHCARE HOLDINGS, INC EIN 20-5799664 EDI CONSULTING | Contract Administrator Service code 13 | — | $9K |
| UNIVERSITY OF KENTUCKY EIN 61-6001218 CLAIMS PAYMENT | Contract Administrator Service code 13 | — | $8K |
| HINES & ASSOCIATES INC EIN 36-3545085 CASE MANAGEMENT | Contract Administrator Service code 13 | — | $7K |
| ROGER B GLAYZER EIN 10-1468809 IT CONSULTANT | Contract Administrator Service code 13 | — | $5K |
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 | 6,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,101 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,101 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.