| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA INS | P.O. BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $1K | $1K | 0.16% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $160 | $160 | 0.04% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $14K | $14K | 3.99% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 50306 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.12% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVC | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $410 | $10 | $420 | 0.32% |
| DIANE REEVES4 | 12160 SAN TOMAS PLACE SAN DIEGO, CA 92128 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 20.94% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: TIMMOTHY W. BROWN | 7000 N. 16TH STREET PHOENIX, AZ 85020 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $71 | — | $71 | 0.24% |
| GOODKIND MARKETING GROUP, INC.4 | 2549 EASTBLUFF DRIVE UNIT B-333 NEWPORT BEACH, CA 92660 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | — | $26 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $214K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $17K |
| BROKERAGE CONCEPTS EIN 11-3667763 THIRD PART ADMINISTRATOR | Plan Administrator Service code 14 | — | $13K |
| ACI SPECIALTY BENEFITS EIN 33-0619312 SERVICE PROVIDER | Other services Service code 49 | — | $13K |
| PRUDENTIAL INSURANCE CO OF AMER. EIN 22-1211670 SERVICE PROVIDER | Other services Service code 49 | — | $11K |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 154 | $731K |
| Vision(2 contracts, 2 carriers) | EYEMED | 783 | $67K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 508 | $386K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 508 | $386K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 387 | $354K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 508 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.