| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICA'S CHOICE HEALTHPLANS5 | 13111 NORTHWEST FREEWAY HOUSTON, TX 77040 | INTERNATIONAL SPECIALTY UNDERWRITERS INC | — | $79K | $79K | 15.09% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN SERVICES | P O BOX 2103 HUNTINGTON, WV 25721 | INTERNATIONAL SPECIALTY UNDERWRITERS INC | — | $52K | $52K | 10.01% |
| FIRST HEALTH | 3200 HIGHLAND AVE DOWNERS GROVE, IL 60515 | INTERNATIONAL SPECIALTY UNDERWRITERS INC | — | $11K | $11K | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S CHOICE HEALTHPLANS EIN 20-0296224 NONE | Claims processing Service code 12 | 13111 NORTHWEST FREEWAY HOUSTON, TX 77040 | $79K |
| BENEFIT DESIGN SERVICES EIN 55-0694018 NONE | Plan Administrator Service code 14 | P O BOX 2103 HUNTINGTON, WV 25721 | $52K |
| FIRST HEALTH EIN 20-1736437 NONE | Employee (plan) Service code 30 | 3200 HIGHLAND AVE DOWNERS GROVE, IL 60515 | $11K |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | INTERNATIONAL SPECIALTY UNDERWRITERS INC | 172 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.