| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | MARLTON | $5K | $19K | $24K | 27.85% |
| DELPHI OF FLORIDA5 | 12425 28TH STREET N. SUITE 100 ST. PETERSBURG, FL 33716 | MARLTON | — | $4K | $4K | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | MARLTON | — | $4K | $4K | 4.33% |
| MIDLANDS CHOICE5 | 8420 W. DODGE ROAD STE 210 OMAHA, NE 68114 | MARLTON | — | $4K | $4K | 4.18% |
| AMERICAN HEALTH HOLDING5 | PO BOX 6016 COLUMBUS, OH 43085 | MARLTON | — | $2K | $2K | 1.73% |
| ICR BRIDGE1 | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | MARLTON | — | $791 | $791 | 0.90% |
| PPO USA5 | PO BOX 410503 KANSAS CITY, MO 64141 | MARLTON | — | $639 | $639 | 0.73% |
| PREMIERE HEALTHCARE EXCHANGE5 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | MARLTON | — | $54 | $54 | 0.06% |
| BRIDGEHEALTH5 | 6000 E EVANS AVE SUITE 2-400 DENVER, CO 80222 | MARLTON | — | $40 | $40 | 0.05% |
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| DELPHI OF FLORIDA5 | 12425 28TH STREET N. SUITE 100 ST. PETERSBURG, FL 33716 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| MIDLANDS CHOICE5 | 8420 W. DODGE ROAD STE 210 OMAHA, NE 68114 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| AMERICAN HEALTH HOLDING5 | PO BOX 6016 COLUMBUS, OH 43085 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| PPO USA5 | PO BOX 410503 KANSAS CITY, MO 64141 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| PREMIERE HEALTHCARE EXCHANGE5 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| ICR BRIDGE1 | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| BRIDGEHEALTH5 | 6000 E EVANS AVE SUITE 2-400 DENVER, CO 80222 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MARLTON | 131 | $88K |
| Stop-loss / reinsurancereinsurance | MARLTON | 131 | $88K |
| Other | MEDICAL EXCESS INSURANCE SERVICES | 131 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.