| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BZRK, LLC3 | — | ROSCOMMON INSURANCE COMPANY | $88K | — | $88K | 12.28% |
| GROUP HEALTH PARTNERS, LLC3 | — | ROSCOMMON INSURANCE COMPANY | $27K | — | $27K | 3.68% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS INSURANCE | 110 VETERANS BLVD SUITE 200 METAIRIE, LA 70005 | HARTFORD LIFE AND ACCIDENT | $545 | — | $545 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STONE MOUNTAIN RISK EIN 39-1277023 CAPTIVE,MGMT,HICARD FEES | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Contract Administrator Service code 12 | — | $96K |
| EBSO, INC EIN 39-1277023 MEDICAL ADMIN, TELEMEDIC | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Contract Administrator; Claims processing Service code 12 | — | $88K |
| MEDIREVIEW EIN 84-1536590 CASE MANAGEMENT/UR | Claims processing; Insurance agents and brokers; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $13K |
| PHCS EIN 63-1000459 MEDICAL PPO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Contract Administrator; Other fees; Claims processing Service code 12 | — | $8K |
| PAYER COMPASS EIN 46-2047081 REPRICING FEES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Contract Administrator; Other fees; Claims processing Service code 12 | — | $4K |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 127 | $141K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 117 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 180 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $4K |
| Stop-loss / reinsurancereinsurance | ROSCOMMON INSURANCE COMPANY | 126 | $720K |
| Other | HARTFORD LIFE AND ACCIDENT | 180 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.