| 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 | $44K | $3K | $46K | 7.98% |
| DIGITAL INSURANCE LLC3 | 3025 HIGHLAND PARKWAY STE. 650 DOWNERS GROVE, IL 60515 | HCC LIFE INSURANCE COMPANY | $28K | — | $28K | 4.74% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY STE. 650 DOWNERS GROVE, IL 60515 | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 2.26% |
| 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 | $9K | — | $9K | 10.00% |
| 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 | — | $2K | $2K | 2.74% |
| 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% |
| EVERLONG GROUP MED CAPTIVE SVCS.3 Filed as: EVERLONG GROUP MEDICAL CAPTIVE SVC. | 3025 HIGHLAND PARKWAY DOWNERS GROVE, IL 60515 | HCC LIFE INSURANCE COMPANY | — | $672 | $672 | 2.23% |
| INS OFFICE OF AMERICA INC-TAMPA3 Filed as: INS OFFICE OF AMERICA - LONGWOOD | 1855 W. STATE RD. 434 LONGWOOD, FL 32750 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.74% |
| 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 | — | $542 | $542 | 2.81% |
| 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 |
|---|---|---|---|
| CORPORATE BENEFITS SERVICE EIN 56-1167792 CLAIMS PROCESSOR | Claims processing Service code 12 | PO BOX 11937 CHARLOTTE, NC 28220 | $90K |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 150 | $86K |
| Vision | HUMANA INSURANCE COMPANY | 109 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $34K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 169 | $580K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 194 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.