| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES, INC | TWO GREENWAY PLAZA STE 400 HOUSTON, TX 77046 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 5949 SHERRY LANE SUITE 1170 DALLAS, TX 75225 | HCC LIFE INSURANCE COMPANY | — | $747 | $747 | 6.73% |
| STEALTH PARTNER GROUP LLC3 | TWO GREENWAY PLAZA SUITE 400 HOUSTON, TX 77046 | HCC LIFE INSURANCE COMPANY | — | $1 | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $47K |
| UMR, INC EIN 39-1995276 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $29K |
| ASSURED PARTNERS EIN 46-4936799 INSURANCE AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $20K |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST INSURANCE COMPANY | 126 | $126K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 126 | $190K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 133 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.