| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC3 Filed as: CYPRESS BENEFIT ADMINISTRATORS LLC | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | PARETO UNDERWRITE GREENWICH | — | $93K | $93K | 38.68% |
| HSTECHNOLOGY SOLUTIONS, INC3 Filed as: HSTECHNOLOGY SOLUTIONS | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | PARETO UNDERWRITE GREENWICH | — | $40K | $40K | 16.71% |
| PHCS3 Filed as: HEALTHEOS BY MULTIPLAN INC | PO BOX 29380 NEW YORK, NY 10087 | PARETO UNDERWRITE GREENWICH | — | $18K | $18K | 7.28% |
| MEDWATCH LLC3 Filed as: MEDWATCH | PO BOX 21796 TAMPA, FL 33630 | PARETO UNDERWRITE GREENWICH | — | $16K | $16K | 6.71% |
| PDCM INSURANCE3 Filed as: PDCM | 3022 AIRPORT BLVD WATERLOO, IA 50703 | PARETO UNDERWRITE GREENWICH | — | $15K | $15K | 6.39% |
| AMERICAN HEALTH HOLDING3 Filed as: AMERICAN HEALTH HOLDING-CONSULT DOC | PO BOX 360142 PITTSBURGH, PA 15250 | PARETO UNDERWRITE GREENWICH | — | $5K | $5K | 2.18% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PARETO UNDERWRITE GREENWICH | — | $2K | $2K | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS LLC EIN 39-1997579 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $93K |
| HSTECHNOLOGY SOLUTIONS EIN 27-1818792 OTHER | Other fees Service code 99 | — | $40K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 OTHER | Other fees Service code 99 | — | $18K |
| MEDWATCH EIN 16-1662117 OTHER | Other fees Service code 99 | — | $16K |
| PDCM EIN 42-1362866 INSURANCE AGENT | Custodial (securities) Service code 19 | — | $15K |
| AMERICAN HEALTH HOLDING-CONSULT DOC EIN 31-1368946 OTHER | Other fees Service code 99 | — | $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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARETO UNDERWRITE GREENWICH | 369 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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 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.