| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGEE LLC3 Filed as: THOMAS MCGEE GROUP | 920 MAIN STREET, SUITE 1700 KANSAS CITY, MO 64105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 19.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS MCGEE GROUP EIN 44-0345740 INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $58K |
| HEALTHSCOPE BENEFITS EIN 71-0847266 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | — | $53K |
| AETNA EIN 06-6033492 PREFERRED HEALTH PROVIDER | Insurance services; Other insurance fees and expenses Service code 23 | — | $30K |
| AMERICAN HEALTH HOLDING UR/CM CONSULTANT | Insurance services; Consulting fees Service code 23 | 7400 W. CAMPUS RD, F-510 NEW ALBANY, OH 43054 | $7K |
| CAREOPERATIVE UR/CM CONSULTANT | Insurance services; Consulting fees Service code 23 | 330 FRANKLIN ROAD BRENTWOOD, TN 37027 | $3K |
| TELADOC, INC. EIN 04-3705970 UR/CM CONSULTANT | Consulting fees; Insurance services Service code 23 | — | $3K |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $116K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $116K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $116K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 150 | $429K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.