| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTH-WEST INSURANCE AGENCY INC.3 Filed as: SOUTH-WEST INSURANCE AGENCY, INC | PO BOX 700 NORTON, VA 242730700 | HUMANA HEALTH PLAN, INC. | $92K | — | $92K | 5.31% |
| SAMUEL C. EAST3 | PO BOX 5296 KINGSPORT, TN 376630296 | HUMANA HEALTH PLAN, INC. | -$2 | — | -$2 | -0.00% |
| RUSSELL INGRAM3 | 1303 SUNSET DR STE 3 JOHNSON CITY, TN 376047905 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 21.54% |
No Schedule C service providers reported on this filing.
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 209 | $1.7M |
| Dental | HUMANA HEALTH PLAN, INC. | 209 | $1.7M |
| Vision | HUMANA HEALTH PLAN, INC. | 209 | $1.7M |
| Life insurance | HUMANA HEALTH PLAN, INC. | 209 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.