| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE INSURANCE | — | SIRUS AMERICA | $25K | — | $25K | 9.22% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS SERVICE CORPORATES | — | SIRUS AMERICA | $8K | — | $8K | 3.07% |
| MARK HAHN3 | — | SIRUS AMERICA | $4K | — | $4K | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICE CORPORATES EIN 90-0345133 CLAIMS/ADMIN | Claims processing Service code 12 | — | $31K |
| S&S HEALTHCARE STRATEGIES EIN 31-1418743 ADMIN | Other services Service code 49 | — | $2K |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SIRUS AMERICA | 108 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.