| 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 | — | $55K | $55K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| A.W. REHN & ASSOCIATES EIN 91-1008626 NONE | Claims processing; Contract Administrator Service code 12 | — | $365K |
| MEDICAL REHABILITATION CONSULTANTS, EIN 91-1448997 NONE | Consulting (general) Service code 16 | — | $296K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $94K |
| SMITH HEALTH INC. EIN 81-1489804 NONE | Contract Administrator; Claims processing Service code 12 | — | $86K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Consulting (general) Service code 16 | — | $79K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Other services Service code 49 | — | $70K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149014 NONE | Accounting (including auditing) Service code 10 | — | $51K |
| WASHINGTON TRUST BANK EIN 91-0462347 NONE | Custodial (securities) Service code 19 | — | $15K |
| GREEN LIGHT COST MANAGEMENT, LLC NONE | Consulting (general) Service code 16 | 17015 N. SCOTTSDALE ROAD, STE 350 SCOTTSDALE, AZ 85255 | $13K |
| LAWTON PRINTING, INC. EIN 91-0633228 NONE | Copying and duplicating Service code 36 | — | $12K |
| MULTIPLAN CORPORATION NONE | Other services Service code 49 | PO BOX 29380 NEW YORK, NY 10087 | $9K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Claims processing; Contract Administrator Service code 12 | — | $7K |
| PHIA GROUP CONSULTING, LLC NONE | Consulting (general) Service code 16 | PO BOX 499 CANTON, MA 02021 | $7K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. EIN 33-0567651 NONE | Claims processing; Contract Administrator Service code 12 | — | $7K |
| USI CONSULTING GROUP, INC. EIN 06-1053228 NONE | Consulting (general) Service code 16 | — | $6K |
| HEALTH RISK STRATEGIES EIN 41-1979502 NONE | Actuarial; Consulting fees Service code 11 | — | $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 | 870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 802 | $23K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,300 | $912K |
| Other | LIFEMAP ASSURANCE COMPANY | 802 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.
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.