| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 16.85% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.89% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 16.78% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & HALLIBURTON | 521 BARRET AVENUE LOUISVILLE, KY 40204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVENUE LOUISVILLE, KY 40204 | ALLSTATE BENEFITS | $5K | $0 | $5K | 16.65% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVENUE LOUISVILLE, KY 40204 | ALLSTATE BENEFITS | $6K | $0 | $6K | 30.65% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVENUE LOUISVILLE, KY 40204 | ALLSTATE BENEFITS | $3K | $0 | $3K | 20.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $184K |
| GREEN & HALLIBURTON EIN 61-1246222 BROKER | Other commissions Service code 55 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | $55K |
| UMR, INC | Claims processing Service code 12 | — | $11K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $1K |
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 | 366 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE STOP LOSS - UNITED HEALTH | 215 | $498K |
| Dental | UNITED HEALTHCARE STOP LOSS - UNITED HEALTH | 215 | $498K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 356 | $119K |
| Short-term disability | STANDARD INSURANCE COMPANY | 225 | $91K |
| Long-term disability | STANDARD INSURANCE COMPANY | 335 | $56K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE STOP LOSS - UNITED HEALTH | 215 | $498K |
| Other(3 contracts) | ALLSTATE BENEFITS | 89 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.