| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | MARLTON | $14K | $40K | $54K | 23.16% |
| DELPHI OF FLORIDA0 | 12425 28TH STREET N. SUITE 100 ST. PETERSBURG, FL 33716 | MARLTON | — | $8K | $8K | 3.60% |
| MIDLANDS CHOICE0 | 8420 W. DODGE ROAD STE 210 OMAHA, NE 68114 | MARLTON | — | $7K | $7K | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | MARLTON | — | $6K | $6K | 2.43% |
| AMERICAN HEALTH HOLDING0 | PO BOX 6016 COLUMBUS, OH 43085 | MARLTON | — | $3K | $3K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | MARLTON | — | $2K | $2K | 0.85% |
| NOVANET0 Filed as: NOVANET INC | 3500 PARKWAY LANE, SUITE 440 NORCROSS, GA 30092 | MARLTON | — | $2K | $2K | 0.76% |
| PREMIERE HEALTHCARE EXCHANGE0 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | MARLTON | — | $108 | $108 | 0.05% |
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| DELPHI OF FLORIDA0 | 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 CHOICE0 | 8420 W. DODGE ROAD STE 210 OMAHA, NE 68114 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| AMERICAN HEALTH HOLDING0 | PO BOX 6016 COLUMBUS, OH 43085 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| PREMIERE HEALTHCARE EXCHANGE0 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | MEDICAL EXCESS INSURANCE SERVICES | — | — | $0 | 0.00% |
| NOVANET0 Filed as: NOVANET INC | 3500 PARKWAY LANE, SUITE 440 NORCROSS, GA 30092 | 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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MARLTON | 139 | $233K |
| Stop-loss / reinsurancereinsurance | MARLTON | 139 | $233K |
| Other | MEDICAL EXCESS INSURANCE SERVICES | 139 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.