| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS POPE3 Filed as: LOUIS S POPE AND CO | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 11.15% |
| HEALTHSMART BENEFIT SOLUTIONS5 | PO BOX 16207 LUBBOCK, TX 79490 | ANICO | — | $231K | $231K | — |
| LOUIS POPE3 | 800 LINDI DRIVE COLLIERVILLE, TN 38017 | ANICO | — | $55K | $55K | — |
| PHARMACEUTICAL TECHNOLOGIES INC.0 Filed as: PHARMACEUTICAL TECHNOLOGIES, INC. | PO BOX 407 BOYS TOWN, NE 68010 | ANICO | — | $27K | $27K | — |
| CIGNA0 | PO BOX 645014 CINCINNATI, OH 45264 | ANICO | — | $25K | $25K | — |
| NORTH AL MANAGED CARE INC0 | 699 A GALLITIN STREET HUNTSVILLE, AL 35801 | ANICO | — | $18K | $18K | — |
| PAYER COMPASS0 | 3401 CUSTER RD SUITE 183 PLANO, TX 75023 | ANICO | — | $11K | $11K | — |
| AMCS/SUE A HEIMBURGER0 | PO BOX 270 MARLON, NJ 08053 | ANICO | — | $10K | $10K | — |
| HEALTHSMART BENEFIT SOLUTIONS0 Filed as: HEALTHSMART CARE MANAGEMENT | 222 W LAS COLINAS BLVD STE # 600 N IRVING, TX 75039 | ANICO | — | $5K | $5K | — |
| PHCS0 Filed as: MULTIPLAN/PHCS | PO BOX 29380 NEW YORK, NY 10087 | ANICO | — | $984 | $984 | — |
| HALIFAX PHYSICIAN HOSPITAL ORGANIZA0 | 1500 FULTON HEIGHTS DANVILLE, VA 24541 | ANICO | — | $8 | $8 | — |
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 | 859 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION SECURITY INSURANCE COMPANY | 859 | $103K |
| Stop-loss / reinsurancereinsurance | ANICO | 727 | $0 |
| Other | UNION SECURITY INSURANCE COMPANY | 859 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.
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.