| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICE | 2345 KING AVENUE WEST SUITE BILLINGS, MT 59103 | BERKLEY LIFE & HEALTH INSURANCE COMPANY | $103K | — | $103K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON CHAPMAN PARTY-IN-INTEREST | Claims processing; Plan Administrator Service code 12 | 9401 AMBERGLEN BLVD BUILDING I, SUITE 100 AUSTIN, TX 78729 | $52K |
| AETNA PARTY-IN-INTEREST | Other fees Service code 99 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $52K |
| LEAVITT GREAT WEST EIN 57-1195029 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $15K |
| AMERICAN HEALTH HOLDINGS NONE | Other services Service code 49 | PO BOX 360142 PITTSBURGH, PA 15250 | $7K |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 120 | $73K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 121 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.