| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | WESTPORT INSURANCE CORP | $53K | $159K | $211K | 20.45% |
| DELPHI OF FLORIDA3 Filed as: DELPHI FLORIDA | 12425 28TH STREET NORTH, SUITE 100 ST PETERSBURG, FL 33716 | WESTPORT INSURANCE CORP | — | $53K | $53K | 5.11% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DRIVE OMAHA, NE 68154 | WESTPORT INSURANCE CORP | — | $37K | $37K | 3.53% |
| MIDLANDS CHOICE3 | 8420 W DODGE ROAD, STE 210 OMAHA, NE 68114 | WESTPORT INSURANCE CORP | — | $23K | $23K | 2.22% |
| NOVANET3 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | WESTPORT INSURANCE CORP | — | $8K | $8K | 0.73% |
| TELADOC3 | 17304 PRESTON ROAD DALLAS, TX 75252 | WESTPORT INSURANCE CORP | — | $7K | $7K | 0.68% |
| PREMIER HEALTHCARE EXCHANGE3 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | WESTPORT INSURANCE CORP | — | $4K | $4K | 0.43% |
| PHCS3 Filed as: HEALTHEOS MULTIPLAN | PO BOX 29940 NEW YORK, NY 10087 | WESTPORT INSURANCE CORP | — | $4K | $4K | 0.40% |
| FIRST CHOICE BENEFITS3 Filed as: FIRST CHOICE | PO BOX 5078 SIOUX FALLS, SD 571175078 | WESTPORT INSURANCE CORP | — | $3K | $3K | 0.26% |
| WPPA INC3 | 1102 S HILLSIDE WICHITA, KS 67211 | WESTPORT INSURANCE CORP | — | $1K | $1K | 0.10% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| NFP INSURANCE SERVICES INC3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $823 | $823 | 0.77% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 W DODGE ROAD SUITE 250 OMAHA, NE 68114 | RELIANCE STANDARD LIFE INS CO | $766 | — | $766 | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INS CO | — | $38 | $38 | 0.74% |
| 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 | 569 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL EXCESS INSURANCE SERVICES | 569 | $110K |
| Vision | COAST TO COAST VISION | 569 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 471 | $107K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 569 | $1.0M |
| Other | RELIANCE STANDARD LIFE INS CO | 369 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.