| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | WESTPORT INSURANCE CORP | $5K | $175K | $181K | 14.77% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE | PO BOX 88860 CHICAGO, IL 60695 | WESTPORT INSURANCE CORP | — | $90K | $90K | 7.34% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DRIVE OMAHA, NE 68154 | WESTPORT INSURANCE CORP | — | $64K | $64K | 5.25% |
| NARUS HEALTH INC.3 Filed as: NARUS HEALTH | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | WESTPORT INSURANCE CORP | — | $26K | $26K | 2.12% |
| AMERICAN HEALTH HOLDINGS3 | PO BOX 360142 PITTSBURGH, PA 15250 | WESTPORT INSURANCE CORP | — | $18K | $18K | 1.44% |
| NOVANET3 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | WESTPORT INSURANCE CORP | — | $8K | $8K | 0.66% |
| TELADOC3 | 17304 PRESTON ROAD DALLAS, TX 75252 | WESTPORT INSURANCE CORP | — | $7K | $7K | 0.60% |
| MIDLANDS CHOICE3 | 8420 W DODGE ROAD, STE 210 OMAHA, NE 68114 | WESTPORT INSURANCE CORP | — | $4K | $4K | 0.30% |
| PREMIER HEALTHCARE EXCHANGE3 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | WESTPORT INSURANCE CORP | — | $5 | $5 | 0.00% |
| PHCS3 Filed as: HEALTHEOS MULTIPLAN | PO BOX 29940 NEW YORK, NY 10087 | WESTPORT INSURANCE CORP | — | -$5 | -$5 | -0.00% |
| DELPHI OF FLORIDA3 Filed as: DELPHI FLORIDA | 12425 28TH STREET NORTH, SUITE 100 ST PETERSBURG, FL 33716 | WESTPORT INSURANCE CORP | — | -$7 | -$7 | -0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY GROUP LIFE | $15K | — | $15K | 15.00% |
| NFP INSURANCE SERVICES INC3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY GROUP LIFE | — | $1K | $1K | 1.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9394 W DODGE ROAD SUITE 250 OMAHA, NE 68114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 9394 W DODGE ROAD SUITE 250 OMAHA, NE 68114 | RELIANCE STANDARD LIFE INS CO AD&D | $554 | — | $554 | 15.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INS CO AD&D | — | $55 | $55 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE NONE | Insurance agents and brokers Service code 22 | PO BOX 88860 CHICAGO, IL 60695 | $0 |
| AMERICAN HEALTH HOLDINGS NONE | Insurance agents and brokers Service code 22 | PO BOX 360142 PITTSBURGH, PA 15250 | $0 |
| CYPRESS BENEFIT ADMINISTRATORS, LLC NONE | Contract Administrator Service code 13 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $0 |
| MARCOTTE INSURANCE AGENCY NONE | Insurance agents and brokers Service code 22 | 9394 W DODGE ROAD SUITE 250 OMAHA, NE 68114 | $0 |
| NARUS HEALTH NONE | Insurance agents and brokers Service code 22 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $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 | 612 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL EXCESS INSURANCE SERVICES | 612 | $103K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 534 | $90K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY GROUP LIFE | 636 | $100K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORP | 612 | $1.2M |
| Other | RELIANCE STANDARD LIFE INS CO AD&D | 389 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.