| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $40K | $124K | 16.42% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $16K | $34K | 8.47% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | PAN-AMERICAN LIFE INSURANCE COMPANY | $23K | — | $23K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CLAIMS PROCESSING | Claims processing Service code 12 | — | $131K |
| THE PLEXUS GROUPE BROKER | Insurance agents and brokers Service code 22 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | $85K |
| BENECARD CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $80K |
| MULTIPLAN INX CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $47K |
| NARUS HEALTH INC CONCIERGE EIN 47-1929604 CLAIMS PROCESSING | Claims processing Service code 12 | — | $31K |
| NARUS HEALTH INC CORE SERVICE EIN 47-1929604 CLAIMS PROCESSING | Claims processing Service code 12 | — | $22K |
| NARUS HEALTH INC EIN 47-1929604 CLAIMS PROCESSING | Claims processing Service code 12 | — | $19K |
| WEX, INC EIN 01-0526993 ADMINISTRATOR | Claims processing Service code 12 | — | $16K |
| HEALTHSMART PREFERRED EIN 61-6214700 CLAIMS PROCESSING | Claims processing Service code 12 | — | $11K |
| HEALTHCARE BLUEBOOK INC CLAIMS PROCESSING | Claims processing Service code 12 | 330 FRANKLIN RD STE 135A-42B BRENTWOOD, TN 37027 | $2K |
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 | 3,955 | 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. |
| Total participants (= "Plan participants" tile) | 3,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $757K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $757K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $984K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $757K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $757K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 530 | $406K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $984K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,955 | — |
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.