| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAE CHUN3 | 61 YUCCA DRIVE STATEN ISLAND, NY 10312 | SWISS-RE IHC RISK SOLUTIONS | — | $52K | $52K | 70.84% |
| THE LOOMIS COMPANY5 | 850 N PARK RD WYOMISSING, PA 19610 | SWISS-RE IHC RISK SOLUTIONS | — | $50K | $50K | 68.86% |
| NJ GROUP SERVICES3 | 22 MERIDIAN RD SUITE 16 EDISON, NJ 08820 | SWISS-RE IHC RISK SOLUTIONS | — | $24K | $24K | 33.06% |
| MAGNACARE NETWORK0 Filed as: MAGNACARE | 1600 STEWART AVE SUITE 700 WESTBURY, NY 11590 | SWISS-RE IHC RISK SOLUTIONS | — | $20K | $20K | 26.80% |
| HINES & ASSOCIATES0 | P.O. BOX 0327 ELGIN, IL 60121 | SWISS-RE IHC RISK SOLUTIONS | — | $2K | $2K | 2.13% |
| TC3 HEALTH0 | 1901 E. ALTON AVE SUITE 100 SNATA ANA, CA 92705 | SWISS-RE IHC RISK SOLUTIONS | — | $348 | $348 | 0.48% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SWISS-RE IHC RISK SOLUTIONS | 415 | $73K |
| Prescription drug | SWISS-RE IHC RISK SOLUTIONS | 415 | $73K |
| Stop-loss / reinsurancereinsurance | SWISS-RE IHC RISK SOLUTIONS | 415 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.