| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPANION LIFE INSURANCE COMPANY3 | 10199 SOUTHSIDE BLVD STE 205 JACKSONVILLE, FL 32256 | COMPANION LIFE INSURANCE COMPANY | $0 | $420K | $420K | 109.57% |
| ASSURED BENEFITS ADMINISTRATORS3 | 221 N. KANSAS ST. #1610 EL PASO, TX 79901 | COMPANION LIFE INSURANCE COMPANY | $0 | $35K | $35K | 9.10% |
| HCC LIFE INSURANCE COMPANY3 | 225 TOWNPARK DR #350 KENNESAW, GA 30144 | COMPANION LIFE INSURANCE COMPANY | $0 | $27K | $27K | 7.12% |
| CIGNA3 Filed as: CIGNA HEALTH & LIFE INSURANCE CO | P.O. BOX 645014 CINCINNATI, OH 452645014 | COMPANION LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.61% |
| INDEPENDENT MEDICAL SYSTEMS3 | 12221 MERIT DR STE 1800 DALLAS, TX 75251 | COMPANION LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.55% |
| MEDWATCH LLC3 Filed as: MEDWATCH | PO BOX 21796 TAMPA, FL 33630 | COMPANION LIFE INSURANCE COMPANY | — | $4K | $4K | 1.15% |
| NATIONAL HEALTH CARE SOLUTIONS INC3 | 12221 MERIT DR STE 1800 DALLAS, TX 75251 | COMPANION LIFE INSURANCE COMPANY | — | $3K | $3K | 0.82% |
No Schedule C service providers reported on this filing.
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 134 | $384K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 134 | $384K |
| Other | TOKIO MARINE HCC | 135 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.