| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS5 | ONE PRESCOTT SOUTH MEMPHIS, TN 38111 | ANICO | — | $219K | $219K | 47.18% |
| LOUIS POPE3 Filed as: LOUIS POPE & CO | 285 GERMAN OAK DRIVE STE 2 CORDOVA, TN 38018 | ANICO | — | $55K | $55K | 11.77% |
| PHARMMACEUTICAL TECHNOLOGIES INC0 | PO BOX 407 BOYS TOWN, NE 68010 | ANICO | — | $27K | $27K | 5.75% |
| NORTH AL MANAGED CARE INC0 Filed as: NORTH AL MANAGED CARE, INC. | 699 A GALLITIN STREET HUNTSVILLE, AL 35801 | ANICO | — | $18K | $18K | 3.84% |
| PAYER COMPASS0 | 3401 CUSTER RD SUITE 183 PLANO, TX 75023 | ANICO | — | $10K | $10K | 2.22% |
| AMCS/SUE A HEIMBURGER0 | PO BOX 270 MARLON, NJ 08053 | ANICO | — | $9K | $9K | 1.92% |
| HALIFAX PHYSICIAN HOSPITAL ORGANIZA0 Filed as: HALIFAX PHYSICIAN - HOSPITAL ORG | 1500 FULTON HEIGHTS DANVILLE, VA 24541 | ANICO | — | $8K | $8K | 1.76% |
| PHCS0 Filed as: MULTIPLAN/PHCS | PO BOX 29380 NEW YORK, NY 10087 | ANICO | — | $970 | $970 | 0.21% |
| LOUIS POPE3 Filed as: LOUIS S POPE | 285 GERMAN OAK DRIVE STE 2 CORDOVA, TN 38018 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 11.19% |
No Schedule C service providers reported on this filing.
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 | 924 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION SECURITY INSURANCE COMPANY | 0 | $104K |
| Stop-loss / reinsurancereinsurance | ANICO | 731 | $463K |
| Other | UNION SECURITY INSURANCE COMPANY | 0 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.