| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HITT & ASSOCIATES PA3 Filed as: HITT & ASSOCITES, P.A. | 13 MISTRY BRK HATTIESBURG, MS 39402 | UNITED HEALTHCARE INSURANCE COMPANY | $350K | — | $350K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.4M |
| R&J INSURANCE EIN 45-0521011 | Consulting (general) Service code 16 | 279 EAST CENTRAL STREET FRANKLIN, MA 02038 | $46K |
| HITT & ASSOCIATES PA EIN 64-0900835 BROKER | Other commissions Service code 55 | 13 MISTY BRK HATTIESBURG, MS 39402 | $0 |
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 | 3,522 | 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) | 3,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,522 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,522 | $0 |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 3,522 | $0 |
| Stop-loss / reinsurancereinsurance | USF | 3,522 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,522 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.