| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24TH FL CINCINNATI, OH 45202 | AETNA LIFE INSURANCE CO | $333 | — | $333 | 6.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC EIN 35-1846036 NONE | Direct payment from the plan; Plan Administrator; Claims processing; Other services Service code 12 | — | $35K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Direct payment from the plan; Insurance agents and brokers; Consulting (general) Service code 16 | — | $15K |
| HEALTHLINK INC EIN 43-1364135 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $13K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| PREFERRED HEALTH PROFESSIONALS EIN 43-1392960 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO | 173 | $5K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 138 | $193K |
| Other | AETNA LIFE INSURANCE CO | 173 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.