| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL3 Filed as: H J KNIGHT INTERNATIONAL INS AGENCY | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $49K | — | $49K | 12.98% |
| NELSEN INSURANCE CONSULTING INC3 Filed as: NELSEN, JR., DONALD J. | 1143 SHIPWATCH DR TAMPA, FL 33602 | HCC LIFE INSURANCE COMPANY | $14K | — | $14K | 3.59% |
| NELSEN INSURANCE CONSULTING INC3 Filed as: NELSEN INSURANCE CONSULTING, INC. | 1143 SHIPWATCH DR TAMPA, FL 33602 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MGT | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | 10835 N 25TH AVE SUITE 105 PHOENIX, AZ 85029 | $326K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 8550 UNITED PLAZA BLVD SUITE 703 BATON ROUGE, LA 70809 | $106K |
| GULF STATES CONSULTANTS & ADM. INC EIN 63-0836919 NONE | Contract Administrator Service code 13 | 1717 OLD SHELL ROAD MOBILE, AL 36604 | $60K |
| KALIFEH, BEDSOLE ADAMS, P.C. EIN 63-1134001 AUDITOR | Accounting (including auditing) Service code 10 | 3224 EXECUTIVE PARK CIRCLE MOBILE, AL 36606 | $9K |
| GODWIN,MORRIS,LAURENZI & BLOOMFIELD EIN 62-1371542 ATTORNEYS | Legal Service code 29 | 50 N FRONT STREET SUITE 800 MEMPHIS TN, TN 38103 | $8K |
| SOUTHERN ACTUARY SERVICES EIN 64-6035381 ACTUARY | Actuarial Service code 11 | PO BOX 888343 ATLANTA, GA 30356 | $5K |
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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 391 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.