| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAWAII MAINLAND ADMINISTRATORS5 | 1600 W BROADWAY AVE STE 300 TEMPE, AZ 85282 | UNDERWRITING MANAGEMENT EXPERT | $0 | $34K | $34K | 28.07% |
| PHCS4 Filed as: MULTIPLAN INC | PO BOX 29380 NEW YORK, NY 10087 | UNDERWRITING MANAGEMENT EXPERT | $0 | $1K | $1K | 0.97% |
| RECEIVERSHIP MANAGEMENT, INC.5 | 510 HOSPITAL DRIVE, SUITE 490 MADISON, TN 371155049 | UNDERWRITING MANAGEMENT EXPERT | $0 | $500 | $500 | 0.41% |
| ENCORE ADVISORS4 Filed as: ENCORE | 7224 SOLUTION CENTER CHICAGO, IL 60677 | UNDERWRITING MANAGEMENT EXPERT | $0 | $190 | $190 | 0.16% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 60673 | UNDERWRITING MANAGEMENT EXPERT | $0 | $98 | $98 | 0.08% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNDERWRITING MANAGEMENT EXPERT | 283 | $122K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERT | 283 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.