| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | VISION SERVICE PLAN | $105K | — | $105K | 1.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $53K | — | $53K | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $12.5M |
| BLUECROSS BLUESHIELD OF FL EIN 59-2015694 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $4.3M |
| MEDPARTNERS EIN 26-3067046 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3.7M |
| INDEPENDENCE BLUE CROSS EIN 23-2184623 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $2.6M |
| BLUECROSS AND BLUESHIELD OF AL EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $2.0M |
| DELTA DENTAL EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| CVS HEALTH EIN 05-0340626 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.1M |
| HIGHMARK, INC. EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $635K |
| FIRST CHOICE EIN 91-1272766 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $427K |
| BEACON HEALTH OPTIONS EIN 54-1414194 CONTRACT ADMINISTRATOR | Insurance services Service code 23 | — | $367K |
| BUSINESSOLVER EIN 42-1503807 CONTRACT ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $232K |
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 | 66,972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,472 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 68,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 54,987 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,987 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.