| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLZ FL 6 NEW YORK, NY 100041446 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.8M |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMIISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $208K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMIISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $175K |
| EXPRESS SCRIPTS INC. EIN 22-3461740 CONTRACT ADMIISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $101K |
| HAWAII DENTAL SERVICE EIN 99-0107971 CONTRACT ADMIISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $83K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| SMITH, GAMBRELL, RUSSELL EIN 58-0967450 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
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 | 7,866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,048 | $370K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,218 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,218 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.