| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | MARLTON | $44K | $134K | $177K | 15.62% |
| DELPHI OF FLORIDA3 Filed as: DELPHI FLORIDA | 12425 28TH STREET NORTH, SUITE 100 ST PETERSBURG, FL 33716 | MARLTON | — | $38K | $38K | 3.34% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DRIVE OMAHA, NE 68154 | MARLTON | — | $22K | $22K | 1.98% |
| MIDLANDS CHOICE3 | 8420 W DODGE ROAD, STE 210 OMAHA, NE 68114 | MARLTON | — | $18K | $18K | 1.62% |
| TELADOC3 | 17304 PRESTON ROAD DALLAS, TX 75252 | MARLTON | — | $6K | $6K | 0.52% |
| NOVANET3 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | MARLTON | — | $6K | $6K | 0.51% |
| PHCS3 Filed as: HEALTHEOS MULTIPLAN | PO BOX 29940 NEW YORK, NY 10087 | MARLTON | — | $4K | $4K | 0.32% |
| PREMIERE HEALTHCARE EXCHANGE3 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | MARLTON | — | $2K | $2K | 0.22% |
| FIRST CHOICE BENEFITS3 Filed as: FIRST CHOICE | PO BOX 5078 SIOUX FALLS, SD 571175078 | MARLTON | — | $2K | $2K | 0.19% |
| PPO USA3 | PO BOX 410503 KANSAS CITY, MO 641410503 | MARLTON | — | -$8 | -$8 | -0.00% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | — | SUN LIFE 1 | $629 | — | $629 | 11.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC NONE | Contract Administrator Service code 13 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $0 |
| DELPHI OF FLORIDA, INC. NONE | Insurance agents and brokers Service code 22 | 12425 28TH STREET NORTH SUITE 100 SAINT PETERSBURG, FL 33716 | $0 |
| MARCOTTE INSURANCE AGENCY NONE | Insurance agents and brokers Service code 22 | 11422 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $0 |
| MIDLANDS CHOICE NONE | Insurance agents and brokers Service code 22 | 8420 W DODGE ROAD, SUITE 210 OMAHA, NE 68114 | $0 |
| NOVANET INC NONE | Insurance agents and brokers Service code 22 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | $0 |
| TELADOC INC NONE | Insurance agents and brokers Service code 22 | 17304 PRESTON ROAD DALLAS, TX 75252 | $0 |
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 | 490 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 399 | $96K |
| Stop-loss / reinsurancereinsurance | MARLTON | 490 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 399 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.