| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | — | HCC LIFE INSURANCE COMPANY | $17K | $11K | $28K | 8.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 NONE | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $164K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $162K |
| EARNST & YOUNG LLP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 210 PARK AVE #2500 OKLAHOMA CITY, OK 73102 | $71K |
| CONNER & WINTERS LLP EIN 73-1388566 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $42K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| SPECTRUM REVIEW SERVICE, INC EIN 16-0318849 NONE | Direct payment from the plan; Other fees Service code 50 | — | $13K |
| SNYDER PRINTING NONE | Other fees; Direct payment from the plan Service code 50 | 3521 S. MOULTON DR. OKLAHOMA CITY, OK 73179 | $7K |
| DENTAL NETWORK OF AMERICA, LLC EIN 36-3339483 NONE | Direct payment from the plan; Other fees Service code 50 | — | $6K |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 5 | $16K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 448 | $40K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 467 | $346K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 448 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.