| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | P.O. BOX 675236 DETROIT, MI 482675236 | HCC LIFE INSURANCE COMPANY | — | $54K | $54K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| A.W. REHN & ASSOCIATES EIN 91-1008626 NONE | Contract Administrator; Claims processing Service code 12 | — | $351K |
| QUANTIFY HEALTH LLC EIN 84-4012793 NONE | Claims processing Service code 12 | — | $143K |
| SMITH HEALTH INC. EIN 81-1489804 NONE | Claims processing; Contract Administrator Service code 12 | — | $136K |
| RENALOGIC, INC. EIN 22-3857341 NONE | Claims processing Service code 12 | — | $117K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Consulting (general) Service code 16 | — | $106K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Other services Service code 49 | — | $84K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $77K |
| MEDCOM CARE MANAGEMENT, LLC EIN 91-1448997 NONE | Claims processing Service code 12 | — | $73K |
| INTERLINK CARE MANAGEMENT, INC. EIN 45-4672075 NONE | Claims processing Service code 12 | — | $55K |
| GREEN LIGHT COST MANAGEMENT, LLC EIN 45-5248276 NONE | Claims processing Service code 12 | — | $45K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $26K |
| WASHINGTON TRUST BANK EIN 91-0462347 NONE | Custodial (securities) Service code 19 | — | $25K |
| MULTIPLAN CORPORATION EIN 84-3536151 NONE | Other services Service code 49 | — | $24K |
| FRSECURE LLC EIN 26-3547185 NONE | Consulting (general) Service code 16 | — | $10K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Contract Administrator; Claims processing Service code 12 | — | $8K |
| HEALTH RISK STRATEGIES EIN 41-1979502 NONE | Actuarial Service code 11 | — | $6K |
| USI CONSULTING GROUP EIN 06-1053228 NONE | Actuarial Service code 11 | — | $6K |
| PHIA GROUP CONSULTING EIN 04-3504115 NONE | Claims processing Service code 12 | — | $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 | 820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,204 | $896K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,204 | — |
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.