| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1108 LIVINGSTON AVENUE HELENA, MT 59604 | HARTFORD LIFE AND ACCIDENT | $61K | — | $61K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 6 DEGREES HEALTH DX LLC EIN 81-4242649 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $254K |
| C.A.S. EIN 91-1991574 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $220K |
| PAYNEWEST INSURANCE EIN 26-3237576 BROKER | Insurance agents and brokers Service code 22 | — | $146K |
| PRISM HEALTH STRATEGISTS LLC EIN 84-3791694 THIRD PARTY ADMIN. | Other fees Service code 99 | — | $15K |
| INNOVATIVE CARE MAN. EIN 93-1087669 MEDICAL MANAGEMENT | Other fees Service code 99 | — | $6K |
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 | 950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,006 | $405K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 749 | $237K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,006 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,006 | — |
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.