| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS | 400 FIELD DRIVE LAKE FOREST, IL 60045 | HCC LIFE INSURANCE COMPANY | — | $7K | $7K | 1.52% |
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS | TRUSTMARK HEALTH BENEFITS INC LAKE FOREST, IL 60045 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $871 | — | $871 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $140K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $33K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $8K |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 174 | $9K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 150 | $478K |
| Other | HCC LIFE INSURANCE COMPANY | 149 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.