| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVERLONG GROUP MED CAPTIVE SVCS.3 | 1901 BUTTERFIELD RD., STE. 120 DOWNERS GROVE, IL 60515 | HCC LIFE INSURANCE COMPANY | $39K | $3K | $41K | 7.99% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY STE. 650 DOWNERS GROVE, IL 60515 | HCC LIFE INSURANCE COMPANY | $36K | — | $36K | 7.00% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC-LONGWOOD | 1855 W STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 10.10% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC - TAMPA | 1855 WEST STATE RD 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 2.27% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE RD., STE. 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PARKWAY DOWNERS GROVE, IL 60515 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | — | $3K | 10.00% |
| EVERLONG GROUP MED CAPTIVE SVCS.3 Filed as: EVERLONG GROUP MEDICAL CAPTIVE SVC. | 3025 HIGHLAND PARKWAY DOWNERS GROVE, IL 60515 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | $834 | $834 | 2.70% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA - LONGWOOD | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.03% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA INC. - TAMPA | 1855 WEST STATE RD. 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $0 | $368 | $368 | 2.24% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE RD. STE. 434 LONGWOOD, FL 32750 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $777 | — | $777 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MMSI, INC. EIN 41-1547003 CLAIMS PROCESSOR | Claims processing Service code 12 | 4001 41ST ST. NW ROCHESTER, NY 55901 | $77K |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 127 | $69K |
| Vision | HUMANA INSURANCE COMPANY | 96 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $34K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 155 | $517K |
| Other(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 175 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.