| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HEALTH ADVISOR3 | 9605 S. KINGSTON COURT, SUITE 150 ENGLEWOOD, CO 80112 | GARDEN STATE LIFE INSURANCE CO | $18K | — | $18K | 13.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HALLIER BENEFIT | ADVISORS 1229 SWIFE AVE KANSAS CITY, MO 64116 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 16.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Direct payment from the plan; Other services Service code 12 | — | $37K |
| AETNA - PPO EIN 06-6033492 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $26K |
| ACRISURE EIN 26-3554645 NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 16 | — | $20K |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GARDEN STATE LIFE INSURANCE CO | 113 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.