| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK GROUP | 5608 LAKE CHRISTOPHER DRIVE ROCKVILLE, MD 20855 | OPTUMHEALTH/UNIMERICA PREMIUM | $84K | — | $84K | 14.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THELOOMISCOMPANY EIN 23-2238132 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $99K |
| CIGNA EIN 35-2029627 | Claims processing Service code 12 | — | $33K |
| HINES&ASSOCIATES EIN 36-3545085 | Claims processing Service code 12 | — | $15K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 | Claims processing Service code 12 | — | $8K |
| BENEFITSNETWORK GROUP EIN 52-1966102 | Claims processing Service code 12 | — | $5K |
| MEDWATCH LLC EIN 16-1662117 | Claims processing Service code 12 | — | $3K |
| EVOLUTION HEALTHCARE SYSTEMS EIN 59-3139483 | Claims processing Service code 12 | — | $478 |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTUMHEALTH/UNIMERICA PREMIUM | 184 | $570K |
| Dental | OPTUMHEALTH/UNIMERICA PREMIUM | 184 | $570K |
| Vision | OPTUMHEALTH/UNIMERICA PREMIUM | 184 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
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.