| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH FIRST TPA3 | P O BOX 130187 TYLER, TX 75713 | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | $269K | — | $269K | 55.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHFIRST TPA EIN 75-2348381 TPA | Contract Administrator Service code 13 | PO BOX 130187 TYLER, TX 757130187 | $269K |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 0 | $481K |
| Dental | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 0 | $481K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 469 | $50K |
| Life insurance | AETNA LIFE INSURANCE CO. | 484 | $28K |
| Prescription drug | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 0 | $481K |
| Stop-loss / reinsurancereinsurance | TRION GROUP | 487 | $72K |
| Other | AETNA LIFE INSURANCE CO. | 484 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
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.