| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS5 Filed as: BENEFIT PLAN ADMINISTRATORS, INC. | 707 S JEFFERSON ST #5 ROANOKE, VA 24011 | HCC LIFE INSURANCE COMPANY | — | $538K | $538K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 | Contract Administrator Service code 13 | — | $56K |
| BENEFIT PLAN ADMINISTRATORS, INC. EIN 54-1419753 | Claims processing Service code 12 | — | $31K |
| HEALTHIEST YOU | Contract Administrator Service code 13 | 5350 E. HIGH ST. SUITE 350 PHOENIX, AZ 85054 | $9K |
| WLT SOFTWARE ENTERPRISES, INC EIN 20-1065781 | Insurance agents and brokers Service code 22 | — | $5K |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | HCC LIFE INSURANCE COMPANY | 220 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 220 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.