| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURY HEALTH SOLUTIONS3 Filed as: CENTURY HEALTH SOLUTIONS, INC | 2951 SW WOODSIDE DRIVE TOPEKA, KS 66124 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 15.16% |
| ACSIA PARTNERS LLC3 Filed as: ACSIA LONG TERM CARE INC. | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE | $9K | — | $9K | 3.61% |
| EBC, INC.3 | PO BOX 20443 INDIANAPOLIS, IN 46220 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.66% |
| CENTURY HEALTH SOLUTIONS3 | 2951 SW WOODSIDE DRIVE TOPEKA, KS 66614 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.2M |
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 | 3,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRUSTMARK INSURANCE COMPANY | 39 | $26K |
| Other | LIFESECURE | 149 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.