| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 600 JEFFERSON ST. STE 200 LAFAYETTE, LA 70501 | GREAT MIDWEST INSURANCE COMPANY | $20K | — | $20K | 17.65% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES, INC | TWO GREENWAY PLAZA SUITE 400 HOUSTON, TX 77046 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| STOP LOSS INSURANCE SERVICES, INC.3 | TWO GREENWAY PLAZA SUITE 400 HOUSTON, TX 77046 | HCC LIFE INSURANCE COMPANY | — | $705 | $705 | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $55K |
| ASSURED PARTNERS EIN 46-4936799 INSURANCE AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $21K |
| HEALTHCARE HIGHWAYS, INC. EIN 27-2072460 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $14K |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST INSURANCE COMPANY | 136 | $113K |
| Prescription drug | GREAT MIDWEST INSURANCE COMPANY | 136 | $113K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 136 | $113K |
| Other | HCC LIFE INSURANCE COMPANY | 136 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.