| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN BARRY TURK Filed as: KEVIN J MULLIGAN | 10107 CHEVY CHASE DR HOUSTON, TX 77042 | AETNA LIFE INSURANCE COMPANY | $101K | — | $101K | 162.76% |
| MERITAIN HEALTH Filed as: AETNA SIGNATURE ADMINISTRATION | 400 CENTERWAY PLACE ARLINGTON, TX 76018 | AETNA LIFE INSURANCE COMPANY | — | $31K | $31K | 49.89% |
| VERTITY HEALTHNET, LLC | 8490 PICARDI AVE BATON ROUGE, LA 70809 | AETNA LIFE INSURANCE COMPANY | — | $29K | $29K | 47.36% |
| GUFL SOUTH QUALITY NETWORK LLC | 4405 N I-10 SERVICE ROAD METAIRIE, LA 70006 | AETNA LIFE INSURANCE COMPANY | — | $8K | $8K | 12.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 3RD PARTY ADMINISTRATOR | Claims processing Service code 12 | 2075 OVERLAND AVENUE, BOX 21367 BILLINGS, MT 591041367 | $146K |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION-SERVICE PLAN | 260 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $133K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE FINANCIALS | 524 | $905K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.